Determine whether a tokenized instrument qualifies as a deposit token (a bank liability redeemable at par, on-balance-sheet, allowlisted-wholesale) or whether it is better characterised as a reserve-backed stablecoin, e-money token, or central bank money token. Provides US / UK / EU regime notes and capital accounting guidance.
Key concept: A deposit token is a bank liability — it sits on the issuing bank's balance sheet as a demand deposit. It is NOT reserve-backed e-money. A JPMD Kinexys token or UK RLN tokenised sterling deposit are deposit tokens; a USDC or MiCA EMT is a stablecoin/e-money token.
Educational validator · not legal, capital, or accounting advice · Status: 2026-06-20 — verify US deposit law, MiCA EMT Arts.48+, UK RLN model, FDIC/FCA/EBA guidance against current primary sources
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
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Classification
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OpenChainGraph v0.4 artifact · execution_hash:
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Ask your agent
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
Run the AINumbers MCP tool `validate_deposit_token_compliance`. Task: 3-test validator distinguishing a bank-liability deposit token (JPMD/RLN model: at-par-on-demand, on-balance-sheet, allowlisted-wholesale) from a reserve-backed stablecoin or e-money token.
Call it with arguments: {"policy_parameters":{}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-57-deposit-token-compliance-validator.html#p=v1.H4sIAAAAAAAA_wECAP3_e31Dv6ajAgAAAA