Cat-23 · T388 · GENIUS Act & US Stablecoin
v1.0

Stablecoin Reserve Stress Test Modeller

Models reserve adequacy under redemption surge and market shock scenarios per GENIUS Act §4 reserve requirements. Input your reserve composition, redemption velocity, and asset haircuts. Outputs days-to-zero reserve, stressed coverage ratio, §4 compliance flag, and a scenario comparison table across four stress levels.

GENIUS Act §4 Stress Testing Coverage Ratio 4 Scenarios Markdown 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. This model uses simplified deterministic stress assumptions for illustrative regulatory planning. It is not a substitute for a full liquidity stress test under supervisory standards. Verify against GENIUS Act §4, Fed/OCC guidance, and your treasury risk framework. CC BY 4.0.
Reserve & Stress Parameters
Total stablecoin supply outstanding = required reserve base.
Typical daily outflow as % of outstanding supply under normal conditions.
Reserve Composition
US T-Bills (≤93 day)
§4(a)(1) · Liquidity: High
Overnight Repo (UST)
§4(a)(2) · Liquidity: High
FDIC-Insured Deposits
§4(a)(3) · Liquidity: Med
Other Assets
Non-eligible risk
Total: 100%
Stress Parameters
% of outstanding supply redeemed per day in a stress event. Historical depegging events have seen 5–30% per day.
Expected discount on forced liquidation of reserve assets. T-bills typically 0.1–0.5%; deposits may face bank stress scenarios.
Additional operational drag: settlement delays, redemption queue management, etc.
Extra reserve held above 100% of outstanding. Some regulators recommend 3–5% buffer.
GENIUS Act §4 Compliance Assessment
Key Stress Metrics
Scenario Comparison Table
Day-by-Day Reserve Rundown (Stress Scenario)