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Ledger · Cost of Inaction · v.2026
For CFOs & risk officers

The cost of ungoverned identity.

$4.45M average cost of a credential-related breach.
$0 of which is recoverable from cyber insurance if the credential had no owner.

Non-human identity governance has been treated as a security cost line. It is a financial risk line. The numbers below are what your CFO already knows but your IAM platform was never built to address.

The Numbers

Four figures every CFO should know.

Risk 01 · Breach cost
$4.45M

Average global cost of a data breach in 2024 (IBM Cost of a Data Breach Report). Credential-related breaches run higher: average $4.81M.

Risk 02 · Insurance recovery
$0

Recoverable from cyber insurance if the credential had no registered owner. Carriers explicitly exclude orphaned-credential incidents.

Risk 03 · Time to detect
204 days

Average time to identify a credential-based breach. The credential is doing damage for 6+ months before anyone notices.

Risk 04 · Regulatory fine
Up to 2%

Of global annual revenue under DORA, NIS2, and adjacent frameworks, when a breach reveals missing identity controls.

The Ledger

The cost of governance is a fraction of the cost of one breach.

Without governance
  • Average breach cost: $4.45M
  • Insurance excluded if credential is orphaned
  • Regulatory exposure under DORA / NIS2 / SEC
  • Six-month average detection time
  • Manual rotation: 8 to 40 engineering hours per quarter, per environment
  • Audit failure: weeks of forensic reconstruction per finding
With Arkion
  • Pilot tier: $45K/yr · Scale: $180K/yr
  • Cyber insurance carriers ask for the evidence Arkion produces
  • DORA / NIS2 / SEC controls satisfied at the identity layer
  • Real-time event logs make detection a query, not an investigation
  • Rotation runs on policy: zero manual hours per quarter
  • Audits answered from the ledger, not from spreadsheets

See how Arkion closes the gap.