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GENIUS Act Issuer Classification & Licensing Mapper

Classify a payment stablecoin issuer under the GENIUS Act framework (enacted July 18, 2025; effective January 18, 2027) and map the applicable federal or state licensing pathway. Covers federally-chartered banks, state-licensed entities, insured depository institutions, and the $10B threshold for mandatory federal oversight.

Effective Jan 18 2027 GENIUS Act S.1582 OCC · FDIC · Fed · State $10B Threshold · PPSI Pathway Client-Side · Zero PII · CC BY 4.0
18 July 2025 GENIUS Act enacted (S.1582 signed into law) ● In force
18 July 2026 OCC / FDIC implementing regulations due ● Deadline approaching
18 January 2027 GENIUS Act takes effect — PPSI licensing required ● Compliance window
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Step 01 Entity Profile & Charter Type
Used for $10B threshold determination under §4
Total face value of payment stablecoins in circulation
Step 02 Existing Licenses & Authorizations
Count of US state MTLs currently in good standing
GENIUS Act Issuer Classification
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Primary Regulatory Pathway
PPSI Qualification Requirements
Licensing Timeline Milestones
AP2 v1.0 · @ainumbers.co/genius-act-issuer-classification-v1

Regulatory Sources

[1]GENIUS Act S.1582 §2 — Definitions: "permitted payment stablecoin issuer," "payment stablecoin," "federal qualified PPSI," "state qualified PPSI"
[2]GENIUS Act §3 — Authorization to issue payment stablecoins; licensing categories and requirements
[3]GENIUS Act §4 — Federal oversight threshold: entities with >$10B in outstanding stablecoins subject to mandatory federal supervision
[4]OCC Bulletin 2026-3 — Proposed rules for federally-chartered PPSI applicants (March 2026)
[5]Treasury proposed rule (illicit finance, April 2026) — AML/sanctions requirements for all PPSIs regardless of charter type