Every US Stablecoin Now Has a Rulebook
Every US Stablecoin Now Has a Rulebook From Jan 18, 2027, issuing a stablecoin in the US without approval is illegal. The OCC published the final rules for every issuer. For holders: redemption within 2 business days from just 1 coin, monthly audited reserve reports, and only a regulator can freeze withdrawals. If reserves fall short for 15 business days, the issuer winds down and repays everyone, fee-free. For issuers: 1:1 reserves in cash, short T-bills and government money funds, at least 5% in instant cash, max 40% with one counterparty, and $5M minimum capital plus 12 months of expense…
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