From TokenPost · · 50s
OCC Sets 5% On-Demand Reserve Floor for Stablecoin Issuers
OCC mandates 5% on-demand reserves for stablecoin issuers starting Jan 18, 2027.
In brief
OCC mandates 5% on-demand reserves for stablecoin issuers starting Jan 18, 2027. The U.S. regulator requires stablecoin issuers to maintain 5% of reserves on demand by January 18, 2027. Originally reported by TokenPost.
OCC finalizes stablecoin rules
The Office of the Comptroller of the Currency finalized payment stablecoin rules requiring issuers to fully back outstanding tokens and keep 5% of reserves available on demand.
Reserve requirements and redemption
Issuers must publish monthly reserve breakdowns including cash, demand deposits, and short-dated U.S. Treasurys and process redemptions within two business days.
Rule implementation timeline
The rule takes effect january eighteen twenty-seven after the GENIUS Act became law in july twenty-five and the OCC plans to accept applications soon.
The bottom line
The U.S. regulator requires stablecoin issuers to maintain 5% of reserves on demand by January 18, 2027.
