Side-by-side institutional comparison — canonical compliance grade, methodology verdict, and IC-memo-ready exports per asset.
| Metric | USDY Ondo US Dollar Yield | XAUT Tether Gold Proxy score | PYUSD PayPal USD | RLUSD Ripple USD |
|---|---|---|---|---|
| Market Cap | $2.13B | $2.69B | $3.59B | $1.74B |
| Peg Status | UNKNOWN | UNKNOWN | STABLE | STABLE |
| Peg Deviation | — | — | 0.017% | 0.000% |
| Issuer | Ondo Finance | Tether | Paxos / PayPal | Ripple |
| Issuer Type | Centralized | Centralized | Centralized | Centralized |
| Jurisdiction | Foreign regulated | Unknown | US regulated | US regulated |
| Reserve Transparency | Audited Reports | Audited Reports | Audited Reports | Audited Reports |
| Redemption Rights | 1:1 par · 3-5 Business Days | — | 1:1 par · ≤2 Business Days | 1:1 par · ≤2 Business Days |
| Governance | Issuer Controlled | Issuer Controlled | Issuer Controlled | Issuer Controlled |
| Compliance Score | B-64/100 | D28/100 | A+95/100 | A91/100 |
| Yield Eligibility | Not eligible | Not eligible | Eligible | Eligible |
| Last Updated | Today | Today | Today | Today |
| Decision Summary | WatchMethodology classification — not investment advice.Confidence:low | AvoidMethodology classification — not investment advice.Confidence:low | ApprovedMethodology classification — not investment advice.Confidence:high | ApprovedMethodology classification — not investment advice.Confidence:high |
Verdicts are StableLens methodology classifications — Approved / Watch / Avoid / Insufficient — not investment advice. Compliance score is the canonical 6-dimension regulatory rubric (when a profile exists) or capped fallback (when not). See methodology.