---
title: "GENIUS Act Payment Stablecoin Issuer Classification & Licensing Mapper"
method: POST
path: "/v1/tools/classify_genius_act_issuer"
tags: ["GENIUS Act", "stablecoin", "PPSI", "OCC", "FDIC", "Federal Reserve", "state charter", "foreign issuer", "licensing", "payment stablecoin", "2027"]
---

# GENIUS Act Payment Stablecoin Issuer Classification & Licensing Mapper

`POST /v1/tools/classify_genius_act_issuer`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/classify_genius_act_issuer`
- Auth: none declared

Classifies a payment stablecoin issuer under the GENIUS Act framework (enacted July 18, 2025; effective January 18, 2027) and maps the applicable federal or state licensing pathway. Covers federally-chartered banks, state-licensed entities, insured depository institutions, and the $10B threshold for mandatory federal oversight.

**Tool URL:** https://ainumbers.co/tools/336-genius-act-issuer-classification-mapper.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `entity_type` 'national_bank' | 'federal_savings' | 'state_bank_fed' | 'state_bank_fdic' | 'federal_credit_union' | 'state_credit_union' | 'money_transmitter' | 'new_entrant' | 'fbo' | 'foreign_nonbank', required: Charter/entity type of the issuer
  - `outstanding_usd` number, required: Outstanding payment stablecoins in USD
  - `total_assets_usd` number: Total consolidated assets in USD
  - `already_regulated` string: Already supervised by federal banking regulator: yes | no

## Response `200`

Successful tool execution result

- object
  - `pathway_class` 'federal' | 'state' | 'foreign': Determined PPSI licensing pathway
  - `primary_regulator` string: Primary federal or state regulator
  - `license_type` string: Applicable PPSI license category
  - `exceeds_10b_threshold` boolean: Whether outstanding stablecoins exceed $10B mandatory federal oversight threshold
  - `ppsi_checklist` object[]: PPSI qualification requirement checks
  - `timeline_milestones` object[]: Licensing timeline milestones

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)