T328 · GENIUS Act · Reserve Compliance · AP2 Export

GENIUS Act Reserve Composition Optimizer

Validate and optimise your payment stablecoin reserve composition against GENIUS Act requirements. Model reserve allocation (cash, Fed deposits, USTs by maturity bucket), score PPSI compliance, surface gaps, and export an AP2 compliance mandate for your legal or regulatory team.

Regs due Jul 18 2026 Effective Jan 2027 1:1 Backing · UST ≤93d · AP2 Export Client-Side · Zero PII · CC BY 4.0
18 July 2026 OCC/FDIC implementing regulations due ● Deadline approaching
18 January 2027 GENIUS Act takes effect (or 120 days after final regs) ● Compliance window
Monthly Reserve composition public disclosure required ● Ongoing obligation
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. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Step 01 Issuer Profile & PPSI Classification
Total face value of payment stablecoins in circulation
Step 02 Reserve Composition (% of Total Reserves)

Under GENIUS Act, reserves must consist exclusively of: (1) US coins and currency / demand deposits at insured depository institutions; (2) Federal Reserve deposits; (3) US Treasury bills with remaining maturity ≤93 days; (4) Treasury-collateralised repo (≤93 days). Allocations must total 100%.

USD cash + demand deposits at FDIC-insured banks
Direct deposits at Federal Reserve Banks
T-bills maturing within 30 days
T-bills maturing 31–60 days
T-bills maturing 61–93 days (GENIUS Act maximum)
Overnight or term repo; Treasury collateral only
Agency debt, MMFs, commercial paper, etc. — NOT permitted under GENIUS Act
Reserve composition bar
Cash
Fed
≤30d
31–60d
61–93d
NON-Q
Total: 100%
GENIUS Act Compliance Assessment
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Compliance Score
Reserve composition
—
1:1 backing ratio
—
Asset segregation
—
Disclosure & reporting
—
AML/CFT programme
—
Overall readiness —
Requirement Checks
Reserve Allocation Detail
Asset classAllocated %USD valueGENIUS Act statusNotes
AP2 v1.0 · @ainumbers.co/genius-act-reserve-v1

Regulatory Sources

[1]GENIUS Act (Pub.L. 119-XX, enacted 18 Jul 2025) — §§ 4–8: reserve requirements, asset segregation, disclosure, AML/BSA treatment
[2]OCC Bulletin 2026-3: Proposed Rules — Permitted Payment Stablecoin Issuer Requirements (Mar 2026)
[3]Federal Register Vol. 91, No. 68 (Apr 10 2026) — FDIC GENIUS Act Requirements for Supervised PPSIs
[4]Federal Register Vol. 91, No. 68 (Apr 10 2026) — FinCEN Proposed AML/CFT Program Requirements for PPSIs
[5]BIS Working Paper No. 1052: Reserve Adequacy and Redemption Mechanism Design for Payment Stablecoins (2024)