TIAN Finance — Institutional Digital Finance Advisory

Q: Does a tokenized MMF keep its underlying's risk weight under CRR3 Art. 501d?

Under CRR3 Article 501d, the first task is not to assume that tokenization preserves the underlying treatment. The work is to map the exposure, underlying rights, issuer, custody and settlement structure, then identify what evidence is needed for prudential analysis under the transitional regime and the permanent framework taking shape.

Q: MiCA, DLT Pilot Regime — or neither?

The first step is classification: MiCA crypto-asset, MiFID II financial instrument in a DLT Pilot Regime context, or outside both. That classification drives the license perimeter, control framework and sign-off chain. Settling it first keeps legal, risk and finance from working on three different objects.

Q: What will the new-product committee ask — before the meeting?

Committees rarely reject a tokenized-asset file for its technology. They reject it for missing evidence: exposure classification, booking and reconciliation model, valuation and custody controls, exit plan. The sprint exists to put that evidence on the table before the meeting, not after.

FROM RWA NARRATIVE TO RISK-WEIGHTED ASSET REALITY

Anyone can issue on-chain. Institutions have to pass risk, capital and control.

FOCUS AREAS

Where the work starts

TOKENIZED FUNDS & MMFs

Risk weight, booking, NAV controls and register–ledger reconciliation.

STABLECOINS & TOKENIZED CASH

Reserve logic, settlement model, payment rails and control perimeter.

MiCA / CASP — POST-AUTHORIZATION

The internal-control, safeguarding and reporting obligations that begin once the license is granted.

EUROPE READINESS

For digital-asset and tokenization firms preparing to face European institutional counterparties.

THE QUESTIONS THAT DECIDE IF A PILOT SCALES

        >Does a tokenized MMF keep its underlying's risk weight under CRR3 Art. 501d?Under CRR3 Article 501d, the first task is not to assume that tokenization preserves the underlying treatment. The work is to map the exposure, underlying rights, issuer, custody and settlement structure, then identify what evidence is needed for prudential analysis under the transitional regime and the permanent framework taking shape.

        >MiCA, DLT Pilot Regime — or neither?The first step is classification: MiCA crypto-asset, MiFID II financial instrument in a DLT Pilot Regime context, or outside both. That classification drives the license perimeter, control framework and sign-off chain. Settling it first keeps legal, risk and finance from working on three different objects.

        >What will the new-product committee ask — before the meeting?Committees rarely reject a tokenized-asset file for its technology. They reject it for missing evidence: exposure classification, booking and reconciliation model, valuation and custody controls, exit plan. The sprint exists to put that evidence on the table before the meeting, not after.

WAYS TO WORK

Three ways to work

From a ninety-minute briefing to a ten-day sprint.

EXECUTIVE BRIEFING

A structured, non-hype session for leadership, risk, finance and control teams that need orientation before committing to a project.

EUROPE READINESS REVIEW

For digital-asset and tokenization firms preparing partnerships, pitches or regulator-facing conversations in France and the EU.

10-DAY RISK-CAPITAL-CONTROL PACK

When an initiative heads into internal validation, finance review or control sign-off.

SPRINT SCOPE ↓

FOR LIVE INITIATIVES

The 10-Day Pack

A focused 10-day sprint that organizes the evidence your validation process is likely to ask for.

01–02 SCOPE

03–04 RISK

05–06 CAPITAL

07 CONTROL

08 GAPS

09–10 DECISION

WHAT THE PACK PRODUCES

Exposure & structure map

Risk & control matrix

Capital, accounting & reporting question list

Governance memo

Implementation roadmap

Executive readout

Fixed scope · Pricing on qualified request · Direct or via referenced consulting partners

LATEST INSIGHT RWA Does Not Only Mean Real-World Assets ALL INSIGHTS →

Built inside the functions that sign

Founded by Shanshan Tian, TIAN Finance is built from twelve years across product control, finance, credit risk and risk-weighted assets at major French and international financial institutions.

The practice works on one translation problem: turning digital-asset initiatives into the evidence, language and control logic institutional stakeholders need before they sign.

EN · FR · 中文 — PARIS

CLEAR PERIMETER · No investment advice · No token issuance or smart-contract builds · Not legal, tax or regulatory counsel

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