Regulatory Compliance
Institutional-grade compliance ratings powered by GENIUS Act and CLARITY Act frameworks. Each stablecoin is scored across 6 regulatory dimensions.
Compliance Ratings
6 stablecoins rated — 17 with full regulatory profilesSource: GENIUS Act + CLARITY Act Framework
| Asset | Issuer | Type | Treasury | Peg | GENIUS | CLARITY | Score |
|---|---|---|---|---|---|---|---|
 USD Coin USDC | Circle | Centralized | Audited Reports | STABLE | READY | COMPLIANT | A+92/100 |
 PayPal USD PYUSD | Paxos / PayPal | Centralized | Audited Reports | STABLE | READY | COMPLIANT | A+95/100 |
 Ripple USD RLUSD | Ripple | Centralized | Audited Reports | STABLE | READY | COMPLIANT | A+91/100 |
 TrueUSD TUSD | Archblock (TrustToken) | Centralized | Audited Reports | STABLE | READY | COMPLIANT | A84/100 |
 First Digital USD FDUSD | First Digital Labs | Centralized | Audited Reports | STABLE | NOT READY | COMPLIANT | A82/100 |
 Pax Dollar USDP | Paxos | Centralized | Audited Reports | STABLE | READY | COMPLIANT | A+95/100 |
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.