Digital Assets and Tokenization

Your expert for questions

Dr. Michael Huertas is Partner, Global & European FS Legal Leader at PwC Germany

Dr. Michael Huertas
Partner, Global & European FS Legal Leader at PwC Germany
Tel: +49 160 9737 5760
Email

PwC Legal AG's Services in the Area of Digital Assets and Tokenization

To properly handle digital assets, in-depth legal and technical knowledge of the regulatory framework and its related challenges is essential. The growing importance of crypto assets, tokenization, and stablecoins requires a solid overview. Professional errors or misjudgments in practice can lead to significant supervisory and criminal liability risks. It is therefore imperative that decisions in this area guided by specialized experts.

Our multi-jurisdictional team provides comprehensive support in understanding the relevant laws and regulatory requirements as well as their compliant implementation. We assist you in communicating with regulatory authorities, obtaining necessary licenses, and establishing tailored legal and governance frameworks. Additionally, we advise market participants – particularly in developing client and transaction documentation including M&A, derivatives, and lending transactions.

PwC Legal AG combines global blockchain expertise with extensive industry and regulatory knowledge to optimally support you in developing legally sound and effective blockchain solutions.

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Mastering Regulatory Challenges with PwC Legal AG and AI Solutions

PwC Legal AG, with its specialized FS Legal team and the EU RegCORE center, offers clear value to companies in the areas of DeFi, digital assets, and tokenization by combining regulatory expertise with industry knowledge. In a complex, rapidly evolving environment, we support financial institutions in navigating the increasing centralization of regulatory frameworks and supervision at EU level.

Our EU RegCORE team guides clients in applying the EU Single Rulebook and the requirements of the European System of Financial Supervision – particularly in the context of MiCAR and DORA. PwC Legal AG has deep insight into business models across the blockchain ecosystem: issuers of digital assets, operators of primary and secondary markets, as well as providers of settlement and custody services. We help clients with market entry and positioning within the European market, mastering both regulatory and operational challenges. Our integrated approach combines local market know-how with EU-wide expertise and delivers practical solutions.

A key component is the AI-powered solution Rule Scanner: it systematically monitors regulatory information, maps regulatory publications to defined risk areas, and compares them against the client´s compliance profile. This enables early identification and mitigation of risks, reduces compliance costs by up to 50%, and frees up resources for strategic priorities such as digitalization, RegTech, and innovation.

Through advisory services, EU regulatory know-how, and innovative tools such as Rule Scanner, PwC Legal AG creates a secure and efficient foundation for growth in the dynamic digital assets market.

Discover how PwC Legal AG can support you in navigating regulatory challenges

PwC Legal AGs EU RegCORE Center

EU RegCORE (Regulatory Compliance Operations, Risk and Engagement Centre) helps market participants in the EU-27 and the Eurozone navigate the increasing Europeanization of financial supervision – including in areas such as crypto, Web3, and DeFi. The European System of Financial Supervision ensures supervisory convergence and consistent application of regulation through EU authorities, including EBA, ESMA, EIOPA, and national supervisors. Based on the EU Single Rulebook, EU RegCORE supports clients in complying with EU-wide regulations and supervisory requirements – ranging from traditional financial institutions to crypto/Web3 service providers and DeFi applications. The European Anti-Money Laundering Authority (AMLA) complements the regulatory framework through strengthened EU-wide AML/CFT coordination and can assume direct supervisory responsibilities for particularly high-risk entities, including certain crypto service providers.

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PwC Legal AG Legal Business Solutions for Financial Services Regulatory Practice

The PwC Legal AG Business Solutions for Financial Services Regulatory Practice Group supports clients in overcoming challenges in the area of Web3 and digital assets and seizing opportunities in financial regulation:

  • Regulatory advisory in the areas of MiCAR, MiFID II, eWpG, KryptoFAV and related regulatory regimes.
  • Advisory and implementation support for Web3 and Digital Assets projects
  • Support in designing and building DeFi-based solutions
  • Guidance through the license application process under the DLT Pilot Regime (DLT-MTF, DLT-TSS, DLT-SS)
  • Advice and support regarding products or services in accordance with MiCAR
  • Specialized training for board members and employees

The PwC Rule Scanner

The PwC Rule Scanner is a lawyer-led, AI-powered solution for global monitoring of legal and regulatory developments as well as for structured risk mapping. The tool enables clients to respond to rapidly evolving crypto-asset regulations and successfully integrate related Web3/DeFi projects into existing corporate, governance, and compliance structures. Our horizon scanning solution takes an integrated, enterprise-wide analytical approach, presenting legal, regulatory, governance, and reputational risks in a visual format via dashboards. Where applicable, benchmarking is conducted based on supervisory orders and sanctions available in the "Fines Database".

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The PwC FIRE Team

The PwC FIRE Team (Financial Institutions Regulatory Europe) specializes in regulatory advisory for financial services providers across the EU-27. Our multilingual and multi-jurisdictional lawyers possess extensive industry knowledge and experience in crypto/Web3/DeFi, banking, securities regulation, and financial market regulation, as well as in compliance and crisis management. Through its global network, PwC Legal AG provides comprehensive legal support across the EU.

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