// Reserve Status Dashboard — Representative Display
1:1 Coverage Ratio102.8%
WAM (limit: 20 days)12 days
Overnight liquidity (≥10%)17.1%
30-day liquidity (≥30%)48.3%
Max single-institution concentration (≤40%)27.2%
Operational backstop (12-mo OPEX)138%
Today's redemption volume (alert: ≥8%)1.4%
3-ledger reconciliationIn balance
Representative display only. Live values populated from custodian feeds and on-chain data.
8 Monitoring Controls — L03 Reserve & Financial Integrity
Control Coverage — OCC, FDIC & GENIUS Act Requirements
Each monitoring control maps directly to a specific OCC NPR, FDIC NPR, or GENIUS Act obligation. The Reserve Integrity Monitoring platform implements all eight as automated, continuously running controls — replacing manual monitoring processes that cannot meet the examination evidence requirements of OCC NPR § 15.10–15.12.
1:1 Reserve Coverage
Real-time reserve-to-supply ratio. Alert at ≤102% (warning), ≤100% (critical). Daily fair value from independent custodian source.
OCC NPR § 15.10
L03WAM ≤ 20 days
Automated daily WAM calculation. Pre-trade check blocks purchases that would breach limit. Alert at ≥18 days (warning), ≥20 days (critical halt).
OCC NPR § 15.10(b)
L03Liquidity Ladder
Overnight ≥10% · 30-day ≥30% · 90-day ≥50%. Automated bucket monitoring. Pre-trade bucket impact check.
OCC NPR § 15.11
L03Single-Institution Concentration
Single custodian or issuer concentration ≤40%. Daily concentration calculation. Alert at ≥35% (warning), ≥40% (critical).
FDIC NPR § 350.39
L03Operational Backstop Pool
12-month trailing OPEX in HQLA. Quarterly recalculation. Segregated custodian account. Alert when pool approaches minimum threshold.
FDIC NPR § 350.9(b)
L03CEO/CFO Certification Workflow
Monthly auto-populated certification package from reserve data. Reconciliation sign-off before officer certification. 18 U.S.C. §1001 briefing documentation.
OCC NPR § 15.12 · FDIC NPR § 350.15
L0310% Redemption Notification
Intraday monitoring of single-day redemption volume. Automated FDIC notification workflow triggers at 10% of outstanding supply. Warning at 8%.
FDIC NPR § 350.5(c)(1)
L03Reserve Ledger Reconciliation
Three-ledger reconciliation: on-chain supply · issuer system · custodian statement. Run at each mint/burn event and daily end-of-day. Exception alert for imbalance >$1,000.
GENIUS Act § 4(a)(1)
L03 · L04
CEO/CFO criminal certification context: OCC NPR § 15.12 and FDIC NPR § 350.15 require a monthly CEO/CFO certification that reserves are maintained in compliance with all applicable requirements. Filing a false certification exposes the certifying officer to federal criminal liability under 18 U.S.C. § 1001 (up to 5 years imprisonment per violation). The certification workflow in this platform auto-populates from the reserve monitoring data, requires reconciliation sign-off before officer certification, and maintains a documented briefing that each certifying officer has been informed of the criminal liability exposure. This is not a compliance recommendation — it is an operational requirement.
How Reserve Monitoring supports the full program
The reserve monitoring data feeds three program components: the monthly CEO/CFO certification (OCC/FDIC requirement), the SOC 1 AT-C §320 engagement scope (reserve controls over financial reporting), and the Gap Assessment L03 remediation tracking (automated controls close the L1→L3 maturity gap for WAM, liquidity ladder, and notification).