OpenReserve OCC National Bank Charter Architecture & Capital Explorer

🌐 Multi-Entity Capital & Settlement Topology

Click nodes to inspect balance allocation

Architecture Fact: OpenReserve's national bank charter structure ring-fences stablecoin issuance into a non-depository subsidiary and segregates digital asset custody in bankruptcy-remote trust vaults off-balance-sheet, isolating fractional lending liabilities from systemic contagion.

⚙️ Inflow Routing & Risk Weights

Core CET1 Capital $250M

Base Fiat Deposits (IDI) $1,200M

Tokenized Deposits (Rail) $400M

Commercial Lending Book $800M

Stablecoin Subsidiary Reserve $600M

Custody Digital Assets (Off-BS) $3,500M

OCC Supervisory Stress Test Scenarios:

📊 OCC & Basel III Capital Telemetry

RWA: $880M

CET1 Ratio (Min 6.5%)

28.4%

Well-Capitalized

Tier 1 Leverage (Min 5.0%)

15.6%

OCC Compliant

Liquidity Coverage (LCR >100%)

162.5%

Liquid Buffer Safe

Custody Segregation

100.0%

Bankruptcy Remote

📑 Consolidated Balance Sheet & Trust Ledger

Entity / Account	Classification	Volume ($M)	RWA Weight
HQLA Cash & Fed Reserves OpenReserve IDI Bank	Level 1 HQLA	$800M	0%
Commercial Lending Portfolio OpenReserve IDI Bank	RWA Loan Asset	$800M	100%
Tokenized Settlement Deposit Rail Permissioned Ledger Liability	Deposit Liability	$400M	N/A (Liab)
Stablecoin Issuer Subsidiary Ring-Fenced 100% Treasuries	Special Purpose Sub	$600M	20%
Qualified Digital Asset Custody Off-Balance Sheet Trust Vaults	Off-Balance Sheet	$3,500M	0% (Off-BS)

* Calculations reflect OCC 12 CFR Part 3 Capital Adequacy Guidelines and Basel III LCR Framework.