A SME that has held some bitcoins in cash for two years now faces a new obligation since July 1, 2026: to verify that its crypto service provider has the European PSCA status. This type of regulatory constraint changes the way crypto investment is approached in business, and it is precisely in this area that the recommendations from RobTheCoins gain their value.
Pledging crypto-assets: a financing lever still unknown to businesses
Since July 1, 2026, decree n° 2026-420 allows for the first time in French law to pledge crypto-assets as collateral for a bank loan. This is known as pledging, a mechanism that businesses are familiar with for real estate or shares, but which did not yet exist for digital assets.
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The text specifies two scenarios. If the company holds its crypto-assets directly (on a blockchain wallet), ownership is considered transferred when the transaction becomes irreversible on the chain. If it goes through a platform, it is the account registration with the provider that is valid.
Companies wishing to invest with Robthecoins for businesses find in this development a concrete argument: the crypto-assets held are no longer just speculative lines; they can now serve as collateral to obtain financing without giving up their positions.
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The decree also regulates the smart contracts used in these collateral operations. For a company, this means that a clear legal framework protects both parties, lender and borrower, in case of a dispute over the automatic execution of the contract.
PSCA status and compliance: what every company must check before investing
The transitional period for former digital asset service providers (PSAN) ended on July 1, 2026. Since that date, only providers with PSCA status can legally operate in France.
This is not just an administrative formality. An unlicensed provider can no longer open new accounts or offer new operations. For a client company, this means a risk of service interruption, or even a legal risk in case of a tax audit or dispute.
Before placing cash on a crypto platform, three points should be checked:
- The provider is listed on the PSCA whitelist published by the AMF, which can be consulted directly on the regulator’s website.
- The general terms explicitly mention the European MiCA approval, not just the former French PSAN registration.
- The platform offers reporting compatible with French reporting obligations (form 3916-bis for digital asset accounts held abroad).
RobTheCoins regularly emphasizes this point in its business-oriented content: choosing a non-compliant provider exposes the company well beyond simple financial risk.
Crypto taxation in business: the reporting traps of 2026
The taxation of crypto-assets in France has evolved in a more restrictive direction for businesses. The tax authorities can now seize crypto-assets directly on the holding platform, without going through an intermediary bank account.
For a company holding bitcoin or ether in cash, the practical consequences are direct. Any reporting omission, even involuntary, comes with increased penalties. Investors who do not declare their crypto accounts and NFTs face specific penalties, distinct from the usual fines for failure to declare bank accounts.
Accounting valuation of crypto-assets held by the company
The General Directorate of Public Finances (DGFiP) has published a guide on the valuation of companies holding crypto-assets. This document clarifies how these assets should appear on the balance sheet, a topic on which feedback varies among accounting firms.
The central point: the chosen valuation method (historical cost, market value) directly influences the taxable result. A company that revalues its positions upward at the end of the fiscal year mechanically increases its tax base, even without having sold.
RobTheCoins strategy for businesses: beyond speculation
What distinguishes the RobTheCoins approach from general crypto guides is the emphasis on the operational use of digital assets. It is not just about buying bitcoin in hopes of a capital gain.
Three axes recur in the business-oriented recommendations:
- Using crypto-assets as a payment tool for international flows, reducing fees and delays compared to traditional SWIFT transfers.
- Exploring blockchain applications for traceability (supply chain, document certification), a concrete use that does not depend on price volatility.
- Building a diversified cash reserve, limiting exposure to a defined fraction of the balance sheet, with a holding horizon of more than three years.
The MVP approach recommended by several RobTheCoins contents also applies to business investment: start with a limited amount, validate the accounting and reporting process, then adjust.
Risk management and internal governance
Before allocating cash to crypto-assets, a company must formalize its investment policy. Who decides to buy or sell? What loss threshold triggers an exit from the position? How are private keys secured if the holding is direct?
Without written governance, crypto investment in a company remains an individual decision disguised as a collective strategy. RobTheCoins’ business-oriented content reminds us that internal documentation protects as much as financial diversification.
The French regulatory framework now offers concrete tools for companies that want to integrate crypto-assets into their financial strategy. Pledging, PSCA status, and the new tax rules create a more structured environment than two years ago. To take advantage of it, accounting rigor and regulatory compliance are as important as the choice of assets.