Reserves and supply for payment stablecoins, on every chain
Built for the GENIUS Act's reserve and AML requirements: circulating supply across every deployment, reserve eligibility and coverage, monthly disclosure drafts, and screening and freeze workflows.
The GENIUS Act was signed Congress.gov, and takes effect by January 18, 2027 at the latest. Its implementing rules are proposed, not final, except the OCC's for the issuers it supervises, adopted OCC, . Read our explainer, last reviewed .
Mapped to the statute
Each feature next to the GENIUS Act requirement it is designed to support, with build status as of . The eligible-asset list and the disclosure format are configuration, so they can follow the final rules.
- Supply across chainsBuilt
- Adds circulating supply on every chain the coin is deployed on, excluding unissued treasury balances, with each chain's height recorded.
- Statutory requirement: Reserves of at least 100% of outstanding payment stablecoins
- Reserve eligibilityBuilt
- A configurable policy of eligible assets: cash, insured demand deposits, Federal Reserve deposits, short-dated Treasuries, qualifying repos, and qualifying funds.
- Statutory requirement: Eligible reserve assets listed in the GENIUS Act
- Coverage and alertsBuilt
- Eligible reserves divided by circulating supply, with alerts on any shortfall or a stale reserve report.
- Statutory requirement: Maintaining one-to-one backing at all times
- Monthly disclosure draftBuilt
- Reserve composition by asset type and outstanding supply by chain, marked draft until you approve it.
- Statutory requirement: Monthly public report of reserve composition
- Examination and certification trackingIn development
- Records the examining accounting firm per report; named CEO and CFO approvals on each disclosure are planned.
- Statutory requirement: Monthly report examined by a registered public accounting firm and certified by the CEO and CFO
- Freeze workflowBuilt
- A lawful order or sanctions hit becomes a freeze rule and the chain's own unsigned freeze transaction, on every deployment that supports one.
- Statutory requirement: Technical ability to freeze or otherwise block transfers under lawful orders
- Screening and AML evidencePlanned
- Wallet screening through a licensed vendor, with hits and decisions kept as evidence.
- Statutory requirement: AML and sanctions programs for issuers treated as financial institutions under the Bank Secrecy Act
Coverage you can check line by line
Circulating supply excludes unissued treasury balances and is converted to cents rounding up, so coverage is never overstated. Ineligible reserves are shown, not dropped.
| Reserve component | Value (USD) | Eligibility |
|---|---|---|
| Insured demand deposits | 210,000.00 | Eligible |
| Treasury bills, 41 days remaining | 620,000.00 | Eligible |
| Overnight repo, Treasury collateral | 194,000.00 | Eligible |
| Treasury note, 410 days remaining | 30,000.00 | Not eligible |
| Eligible reserves | 1,024,000.00 | |
| Circulating, 4 chains | 1,000,000.00 |
GENIUS Act timeline
Dates from the official sources, last reviewed . Of the implementing rules, only the OCC's is final.
GENIUS Act signed into law (Public Law 119-27). Congress.gov,
FinCEN and OFAC propose AML and sanctions program rules for permitted issuers. FinCEN,
FinCEN and the banking agencies propose customer identification program rules. FinCEN,
Treasury proposes rules on when a stablecoin is issued, offered, or sold in the United States. U.S. Treasury,
The OCC adopts its final rule implementing the Act for the issuers it supervises, effective January 18, 2027. OCC,
Latest date the Act takes effect: the earlier of this date or 120 days after final rules. Congress.gov,
See it on your token
We walk through testnet tokens end to end with synthetic data: a holder record, a blocked transfer, a prepared freeze, a reserve coverage check, and chain verification.