The GENIUS Act was enacted 18 July 2025. Implementing regulations are due by 18 July 2026 — the Act takes effect on 18 January 2027 (or 120 days after final rules). Model your reserve composition, score PPSI compliance, and export a Policy Mandate your legal team can act on.
Identify your institution type under the GENIUS Act. The Act applies to Permitted Payment Stablecoin Issuers (PPSIs) — national banks, state banks, and approved non-bank entities. Foreign issuers of USD-pegged stablecoins are also covered if sold or offered in the US.
GENIUS Act §4 restricts reserve assets exclusively to: (1) US coins/currency and demand deposits at insured depository institutions; (2) Federal Reserve deposits; (3) US Treasury bills with remaining maturity ≤93 days; (4) Treasury-collateralised overnight/term repo. Allocations must sum to 100%.
Asset segregation, custodian supervision, monthly disclosure, and AML/CFT programme. All four are mandatory under GENIUS Act §§5–8.
GENIUS Act readiness score, requirement check results, and exportable Policy Mandate for your legal team, board, or regulatory submission.
| Asset class | Allocation | USD value | GENIUS Act status |
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OCC and FDIC rules land by July 2026. If your reserve composition, custodian arrangement, or AML programme has gaps, the runway to fix them is now. We help institutions build GENIUS Act-compliant stablecoin architectures.
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