Where the underlying protocol of a crypto-asset is changed, and the older version of the crypto-asset is no longer compatible with the new version and/or there is an entirely new and separate version of the crypto-asset (hard fork), a licensee, where it supports a new protocol, must ensure that client balances on the old version are reconciled with the new version of the crypto-asset. This includes availability of reverse compatibility for as long as required. A licensee must maintain transparent lines of communication with their clients on how they are managing clients crypto-asset holdings in such a scenario.