There is also other option, which is in TL which I (with some help from other users) wrote on Polish site. It's POD is Queen Hedwig of Anjou siring Vladislaus II Jogaila five healthy children - Elisabeth (born earlier than OTL Elisabeth Bonifacia), Vladislaus, Catherine, Louis and Anna. After the death of Mary of Anjou Sigismund of Luxembourg is deposed from Hungarian throne (he is a usurper and he got imprisoned by his own subjects IOTL). But how it leads to balkanized Russia? Jogaila with Hungary not being a threat to him (and serving under his control instead) and with Teutonic Order being reduced to Livonia in 1411 (consequence of earlier) is not forced to repel the Union of Krewo's agreements of Lithuania being under his personal rule (Vytautas is never a separate Grand Duke, he is only a governor from Jogaila), but Vytautas (due to not being distracted by Teutonic Order and Worskla battle never happening ITTL) captures Moscow, becomes a overlord of whole Rus' and starts rebellion against Jogaila. Rebelion fails (due to fear of marginalisation by Catholic nobility of western Lithuania and Jagiełło having direct control of OTL TO, Poland, Silesia and Hungary combined) and Vytautas and Jogaila sign an agreement - Vytautas gives up his claims to Lithuanian throne (and agrees on Lithuania being tied to Poland in sort of "real union") and Jogaila makes him a hereditary Grand Prince of Vladimir (who is a vassal of Polish crown) and ensures that House of Kęstutis has every right to suceed Vytautas on Vladimir's throne (only when male member of House of Kęstutis is not around, the hereditary right to Vladimir goes to Vladislaus, the elder son of Jogaila ITTL and his descendants). As a confirmation of this peace, Vladislaus Jagiellon (ITTL) marries Anastasia of Moscow (Vytuatas's granddaughter) and thus becomes a hereditary Prince of Moscow (Vassily I dies in captivity ITTL and there is no Vasily II). As a result, the situation of late XVth century Russia looks like this - Moscow and Vladimir are under direct Polish control, with Polish voivode being in Moscow. Tver is still an independent principality (although a Jagiellon vassal, but treated very well, granted even governorship over any other Russian principality not being under direct control of Polish king and Mikhail of Tver being married to sister of ITTL Polish king), so is Ryazan, Republic of Novogorod still exists as independent state (but is also a vassal of Poland), the Great Perm, Moksa and Erzya (Finnish principalities absorberd by Moscow IOTL) are still around and also vassalized by Jagiellons. This is pretty balkanized Russia, isn't it?