US Bank Charter & Stablecoin Governance Matrix

🏛️ Charter Presets

World Liberty / OCC

Strict OCC Trust

Market Panic / Run

High Growth Issuer

OCC Case Focus: Regulatory approval of a national bank charter for crypto entities (e.g. World Liberty Financial) allows direct issuance of stablecoins under Federal Reserve/OCC oversight subject to strict reserve composition and capital rules.

⚙️ Reserve Architecture

Total Circulating Supply ($B) $5.0B

US T-Bills & Reverse Repo (%) 80%

Insured Bank Cash Deposits (%) 15%

Corporate Paper / Yield Assets (%) 5%

Liquidity Run Scenario (24h Redemptions) 25%

Tier 1 Leverage Capital Buffer (%) 4.5%

⚖️ Compliance Verdict

CONDITIONALLY APPROVED

Reserves meet OCC liquidity requirements under baseline redemptions.

Reserve Coverage Ratio

100.0%

Full $1:1 Backing Required

Immediate Liquidity (T+0)

$4.75B

95% of total reserves

Post-Run Capital Buffer

$225M

Safe Capital Margin

Estimated Annual Reserve Yield

$215M

4.30% Weighted Yield

📋 OCC Charter Conditional Obligations Checklist

Regulatory Analysis & Reserve Audit Export