Cat-23 · T386 · GENIUS Act & US Stablecoin
v1.0

GENIUS Act Payment Stablecoin Compliance Checker

Tests your issuer structure against the GENIUS Act (Guiding and Establishing National Innovation for US Stablecoins Act) statutory definition of a "payment stablecoin" under §2. Outputs a per-element compliance matrix, eligible licensing path analysis, and risk flags. All processing is client-side.

GENIUS Act 2025 §2 Definition Test OCC / State / Fed Paths Policy Mandate Export Zero PII
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Regulatory thresholds reflect the GENIUS Act as introduced/passed; verify against enacted text and subsequent rulemaking before relying on outputs for legal or compliance decisions. CC BY 4.0.
Issuer Profile Inputs
GENIUS Act §2 distinguishes bank-affiliated and nonbank issuers with different regulator assignments.
Issuers above $10B require federal oversight. Below $10B may use approved state regimes.
§2 requires fixed-value, on-demand redeemability at par. Algorithmic or non-par designs disqualify as a payment stablecoin.
GENIUS Act §4 requires reserves backed 1:1 by high-quality liquid assets. Eligible: US Treasury bills (≤93 days), overnight repo collateralised by Treasuries, FDIC-insured deposits, Fed reserve balances, coins/notes.
US T-Bills (≤93 day)
§4(a)(1) — fully eligible
Overnight Repo (UST collateral)
§4(a)(2) — fully eligible
FDIC-Insured Deposits
§4(a)(3) — eligible
Other / Non-Eligible Assets
May be non-compliant
Total: 100% ✓
Overall Compliance Status
§2 Statutory Definition Test — Element-by-Element
Licensing Path Eligibility
Risk Flags & Remediation Notes