# OCC Sets 5% On-Demand Reserve Floor for Stablecoin Issuers

> OCC mandates 5% on-demand reserves for stablecoin issuers starting Jan 18, 2027.
- Title: OCC Sets 5% On-Demand Reserve Floor for Stablecoin Issuers
- Summary: 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…
- Keywords: occ, stablecoin, on-demand reserve, january eighteen twenty-seven, payment stablecoin, crypto, finance, Sets, On-Demand, Reserve, Floor, Issuers
- Source: TokenPost — https://tokenpost.com/news/regulation/37093
- Published: 2026-10-21T22:14:06+00:00
- Read time: 1 min
- Topics: occ, stablecoin, on-demand reserve, 5%, january eighteen twenty-seven, payment stablecoin, crypto, finance
## 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.
## Key takeaway

The U.S. regulator requires stablecoin issuers to maintain 5% of reserves on demand by January 18, 2027.