There's No Playbook for Digital Asset Governance. So We Built One.
Your institution is evaluating or already offering stablecoin custody, tokenized deposits, blockchain-based settlement, or digital asset lending — and your risk team has been asked to build a governance program for an asset class that didn't have one last year. There's no SR 11-7 equivalent for stablecoins. No standardized RCSA template for smart contract risk. No validated inventory framework for tokenized assets. You're building the plane while flying it. Ethos gives you configurable governance infrastructure so you can define the program now and adapt it as the regulatory landscape crystallizes.
Digital Asset Product Inventory — Governed inventories for stablecoin products, tokenized asset programs, digital custody arrangements, and blockchain protocol integrations. Classify and tier each with configurable risk frameworks designed for an asset class regulators are still defining.
Smart Contract Risk Governance — Risk assessments for code audit status, upgrade mechanisms, oracle dependencies, and operational resilience. Track findings and remediation the same way you would for any other risk category.
Regulatory Adaptability — OCC interpretive letters, FDIC notifications, Fed supervisory guidance, state-level requirements — the landscape is fragmented and evolving fast. Map governance to current requirements and adapt as new guidance drops without rebuilding your program.
Proactive Exam Readiness — Regulators are asking about digital asset governance even when they haven't issued formal guidance. Comprehensive documentation and audit trails demonstrate your institution was governing before they asked.
