Pillar 4 / Wallet Intelligence / Stablecoin issuer Compliance
Compliance + reserves attestation for stablecoin issuers.
Stablecoin issuers face a converging regulatory regime: NYDFS BitLicense requirements today, federal GENIUS Act / STABLE Act framework arriving 2026-2027, and FinCEN MSB obligations throughout. Wallet Intelligence produces per-redemption + per-mint attestation, on-chain reserves transparency support, and blacklist-enforcement evidence ready for the examiner.
NYDFS, FinCEN, and (soon) federal stablecoin regulators all expect the same systematic compliance evidence per event.
Stablecoin issuers operate at the intersection of payment-system regulation, securities-adjacent reserves transparency, and OFAC sanctions enforcement. Each redemption needs OFAC clearance; each mint needs reserves-backing evidence; each blacklist enforcement needs court-portable justification. Wallet Intelligence produces per-event attestation across all three dimensions.
- NYDFS BitLicense 23 NYCRR 200. Per-redemption + per-mint attestation + reserves transparency support. NYDFS supervision evidence ready for quarterly + annual examination.
- FinCEN MSB + 31 CFR 1010.410(f). Travel Rule (FATF R.16) compliance on redemption + mint transfers above threshold. Per-transfer signed manifest.
- OFAC SDN + blacklist enforcement. Per-redemption + per-mint OFAC screen. Issuer-side blacklist enforcement evidence (USDC-style freeze) supported with court-portable evidence per freeze action.
- GENIUS Act + STABLE Act readiness. Federal stablecoin framework arriving 2026-2027 will codify reserves-transparency + per-event audit requirements. JIL's per-event attestation infrastructure is forward-compatible.
Per-mint reserves attestation
Per-mint attestation: USD reserve receipt confirmed, OFAC clearance on minting counterparty, mint event court-anchored on CourtChain. Output: SHA-256-sealed mint record per token issuance.
Per-redemption OFAC screen
Per-redemption attestation: OFAC sanctions screen on redeeming counterparty + recipient wallet, positive hits emit blocked-transaction attestation, clean redemptions emit clearance manifest.
Blacklist freeze-action evidence
When issuer freezes a sanctioned address (USDC pattern), JIL produces court-portable evidence supporting the freeze decision. Critical for sanctions enforcement + civil claims defense.
Reserves-transparency public attestation
Per-period (daily / weekly / monthly) on-chain reserves attestation. Issuer signs the reserves claim; JIL countersigns and court-anchors it on CourtChain. Public reserve transparency that meets emerging federal + state standards.
Tiered per-engagement pricing
| Issuer scale | Per-mint attestation | Per-redemption screen | Reserves attestation | Custom blacklist |
|---|---|---|---|---|
| Emerging stablecoin (under $100M cap) | $0.10 / mint | $0.05 / redemption | Included | Per-freeze: $250 |
| Mid-tier ($100M-$10B cap) | $0.05 / mint | $0.03 / redemption | Included + custom fields | Per-freeze: $100 |
| Top-10 stablecoin (USDC, USDT scale) | Volume-tiered (negotiated) | Volume-tiered | Real-time public attestation | Included |
NYDFS BitLicense + federal stablecoin framework (GENIUS Act / STABLE Act) compliance support included. Annual contracts lock 12-month pricing. Custom freeze-action support for blacklist enforcement available.
Want to see per-event attestation against your mint + redemption stream?
We bring sandbox keys + sample reserves-transparency attestations to a 30-min walkthrough. Bring your Compliance Lead, Reserves Lead, and Legal Counsel. Production deployment typically ships 4-8 weeks after MSA.