Looking for a fic

[classicdrogn]

I'm going to be even vaguer than usual, I'm afraid - I know the main setting was Middle Earth, but I'm not terribly sure the inserted character(s) was/were from Harry Potter - the only certain bit is that they got a dialogue going with Smaug, introduced him to the concept of modern banking, and had the Dale(?)(The city at the foot of the Lonely Mountain) getting restored for the Lakemen and/or Dwarves to use. I think the insert character was Hermione, thouh Neville might have been along as well, and it may or may not be the same fic that has her end up with both Fred and George. The SV thread where the concept of the Dwarves and Smaug working together came up got a link to a fic named Incendio which has Harry as actually-a-dragon son of Smaug who got drakenapped and ended up in Britain, which is... not actively bad but not as good as the one I remember even discounting the Super-Harry cringeyness. 99% sure I read it on FFn. Any ideas?

Because I mentioned it: https://m.fanfiction.net/s/10884162/ - Incendio