Regulatory Compliance

Institutional-grade compliance ratings powered by GENIUS Act and CLARITY Act frameworks. Each stablecoin is scored across 6 regulatory dimensions.

Avg Score

45/100

Compliance Ratings

109 stablecoins rated — 17 with full regulatory profiles

Source: GENIUS Act + CLARITY Act Framework

Asset	Issuer	Type	Treasury	Peg	GENIUS	CLARITY	Score
Tether USDT	Tether	Centralized	Audited Reports	STABLE	NOT READY	NON-COMPLIANT	B+71/100
USD Coin USDC	Circle	Centralized	Audited Reports	STABLE	READY	COMPLIANT	A+92/100
USDS USDS	Sky (formerly MakerDAO)	Decentralized DAO	On-Chain	STABLE	NOT READY	NON-COMPLIANT	C+56/100
Ethena USDe USDE	Ethena Labs	Algorithmic Protocol	On-Chain	STABLE	NOT READY	NON-COMPLIANT	C45/100
USD1 USD1	World Liberty Financial	Centralized	None/Opaque	STABLE	NOT READY	NON-COMPLIANT	C40/100
Dai DAI	MakerDAO	Decentralized DAO	On-Chain	STABLE	NOT READY	NON-COMPLIANT	C+56/100
PayPal USD PYUSD	Paxos / PayPal	Centralized	Audited Reports	STABLE	READY	COMPLIANT	A+95/100
Tether Gold XAUT	Tether	Centralized	Audited Reports	UNKNOWN	N/A	N/A	B65/100 *
PAX Gold PAXG	Paxos	Centralized	Audited Reports	UNKNOWN	N/A	N/A	B65/100 *
Falcon USD USDF	Falcon Finance	Centralized	Audited Reports	STABLE	N/A	N/A	A+95/100 *
Global Dollar USDG	Paxos	Centralized	Audited Reports	STABLE	N/A	N/A	A+95/100 *
Ripple USD RLUSD	Ripple	Centralized	Audited Reports	STABLE	READY	COMPLIANT	A+91/100
BFUSD BFUSD	Binance	Centralized	Audited Reports	STABLE	N/A	N/A	A+95/100 *
USDD USDD	TRON DAO Reserve	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
USDtb USDTB	Ethena Labs	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
Usual USD USD0	Usual Protocol	Algorithmic Protocol	On-Chain	STABLE	NOT READY	NON-COMPLIANT	B61/100
GHO GHO	Aave DAO	Decentralized DAO	On-Chain	STABLE	NOT READY	NON-COMPLIANT	C+58/100
A7A5 A7A5	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
TrueUSD TUSD	Archblock (TrustToken)	Centralized	Audited Reports	STABLE	READY	COMPLIANT	A84/100
EURC EURC	Circle	Centralized	Audited Reports	UNKNOWN	N/A	N/A	B65/100 *
First Digital USD FDUSD	First Digital Labs	Centralized	Audited Reports	STABLE	NOT READY	COMPLIANT	A82/100
Kinesis Gold KAU	Kinesis Money	Centralized	Audited Reports	UNKNOWN	N/A	N/A	B65/100 *
Resolv USR USR	Resolv Labs	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
USX USX	dForce	Decentralized DAO	On-Chain	STABLE	N/A	N/A	A+100/100 *
crvUSD CRVUSD	Curve Finance	Decentralized DAO	On-Chain	STABLE	NOT READY	NON-COMPLIANT	C+58/100
Binance-Peg BUSD BUSD	Binance (Paxos)	Centralized	Audited Reports	STABLE	N/A	N/A	A+95/100 *
Kinesis Silver KAG	Kinesis Money	Centralized	Audited Reports	UNKNOWN	N/A	N/A	B65/100 *
Frax FRAX	Frax Finance	Algorithmic Protocol	On-Chain	STABLE	NOT READY	NON-COMPLIANT	C+57/100
Neutrl USD NUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
YLDS YLDS	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
USDa USDA	Angle Protocol	Decentralized DAO	On-Chain	UNKNOWN	N/A	N/A	B+70/100 *
AUSD AUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Cap USD CUSD	Cap Finance	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
Noble USDC USDC.N	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Satoshi Stablecoin SATUSD	Satoshi Protocol	Algorithmic Protocol	On-Chain	UNKNOWN	N/A	N/A	B+70/100 *
GUSD GUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
STASIS EURO EURS	STASIS	Centralized	Audited Reports	UNKNOWN	N/A	N/A	B65/100 *
StandX DUSD DUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Pleasing USD PUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
DOLA DOLA	Inverse Finance	Decentralized DAO	On-Chain	STABLE	N/A	N/A	A+100/100 *
Gaib AI Dollar Alpha USDC AIDAUSDC	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Frax USD FRXUSD	Frax Finance	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
Avant USD AVUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Anzen USDz USDZ	Anzen Finance	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
MNEE USD Stablecoin MNEE	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
CASH CASH	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Ring USD USDR	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Pleasing Gold PGOLD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
XDAI XDAI	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
EUR CoinVertible EURCV	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
sUSDa SUSDA	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Cygnus Finance Global USD CGUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Felix feUSD FEUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
OpenEden OpenDollar USDO	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Yuzu USD YZUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Fidelity Digital Dollar FIDD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Anchored Coins AEUR AEUR	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Magic Internet Money (Ethereum) MIM	Abracadabra	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
USDX USDX	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
USDKG USDKG	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Alloy Tether AUSDT	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Eurite EURI	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Mountain Protocol USD USDM	Mountain Protocol	Centralized	Audited Reports	STABLE	NOT READY	NON-COMPLIANT	B66/100
Overnight.fi USD+ USD+	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Jupiter Lend JUPUSD JLJUPUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Pax Dollar USDP	Paxos	Centralized	Audited Reports	STABLE	READY	COMPLIANT	A+95/100
StraitsX XUSD XUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Aegis YUSD YUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Lista USD LISUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Resupply USD REUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Hive Dollar HBD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
XT Stablecoin XTUSD XTUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
JupUSD JUPUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Liquity USD LUSD	Liquity Protocol	Decentralized DAO	On-Chain	STABLE	NOT READY	NON-COMPLIANT	B60/100
BOLD BOLD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
USD CoinVertible USDCV	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Frankencoin ZCHF	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Monerium EUR emoney EURE	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
MAI MIMATIC	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Noon USN USN	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
USDB USDB	Blast	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
TerraClassicUSD USTC	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Noble Dollar (USDN) USDN	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Bucket Protocol BUCK Stablecoin BUCK	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Electronic USD EUSD	Reserve Protocol	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
MetaMask USD MUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Gyroscope GYD GYD	Gyroscope	Algorithmic Protocol	On-Chain	STABLE	N/A	N/A	A+100/100 *
Honey HONEY	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Metronome Synth USD MSUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Synthetix sUSD SUSD	Synthetix	Algorithmic Protocol	On-Chain	UNKNOWN	N/A	N/A	B+70/100 *
USDH USDH	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Unity UTY	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
NXUSD NXUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Hylo USD HYUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Worldwide USD WUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
f(x) Protocol fxUSD FXUSD	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
XSGD XSGD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Alchemix USD ALUSD	Alchemix	Algorithmic Protocol	On-Chain	UNKNOWN	N/A	N/A	B+70/100 *
WEMIX Dollar WEMIX$	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
StablR Euro EURR	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Staked YUSD SYUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Hydrated Dollar HOLLAR	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
VCRED VCRED	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
Relend Network USDC (HyperEVM) RUSDC-HYPER	Unknown	—	None/Opaque	STABLE	N/A	N/A	F35/100 *
JPY Coin JPYC	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Nest Alpha Vault (LP) INALPHA	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Youves uUSD UUSD	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Mu Digital AZND AZND	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *
Rupiah Token IDRT	Unknown	—	None/Opaque	UNKNOWN	N/A	N/A	F5/100 *

Regulatory Scoring Methodology

6-dimension framework derived from the GENIUS Act (S.1582, signed July 2025) and CLARITY Act (H.R.3633, passed House July 2025).

Reserve Composition

20 points

GENIUS Act permitted assets: cash, T-Bills (≤93d), repos (≤7d), govt MMFs. 1:1 backing, segregated, no rehypothecation.

Audit & Transparency

20 points

Monthly attestation by PCAOB-registered auditor, CEO/CFO certification, on-chain verification, public reserve breakdown.

Redemption Rights

15 points

1:1 at par within 2 business days, direct fiat redemption, transparent fees, surge capacity policy.

Issuer Licensing

15 points

Federal (OCC/Fed) or NYDFS regulated, BSA/AML compliant, $10B threshold compliance.

Consumer Protection

15 points

Bankruptcy-remote reserves, no yield to holders (GENIUS Act), limited permissible activities.

CLARITY Classification

15 points

Qualifies as permitted payment stablecoin (not security/commodity), low SEC enforcement risk.

GENIUS Act

Signed into law July 2025 — Effective Jan 2027

1:1 reserve backing with permitted assets only
Monthly attestation by registered public accounting firm
2 business day redemption at par
Issuers must be FDIC-insured or Fed-approved
>$10B must transition to federal oversight
>$50B must publish PCAOB-audited annual statements
No yield/interest paid to stablecoin holders

CLARITY Act

Passed House July 2025 — In Senate Committee

Payment stablecoins are NOT securities or commodities
SEC/CFTC retain anti-fraud jurisdiction only
Banking regulators supervise stablecoin issuers
Must meet “permitted payment stablecoin” definition
Fiat-pegged, 1:1 redeemable, issued by regulated entity
Brokers/banks may custody and trade without securities concerns

Disclaimer: Compliance scores are informational only and do not constitute financial or legal advice. Scores marked with * use a legacy 3-factor model (issuer, treasury, peg). Full 6-dimension regulatory scores are available for stablecoins with detailed profiles. The GENIUS Act effective date is January 18, 2027 — “GENIUS Ready” indicates current compliance with the Act's requirements, not formal regulatory certification.