---
title: "GENIUS Act Reserve Composition Optimizer"
method: POST
path: "/v1/tools/genius_act_reserve_optimizer"
tags: ["GENIUS Act", "stablecoin", "reserve composition", "PPSI", "payment stablecoin", "Fed deposit", "T-bill", "UST", "OCC", "FDIC", "compliance", "regulatory", "AP2 export"]
---

# GENIUS Act Reserve Composition Optimizer

`POST /v1/tools/genius_act_reserve_optimizer`

## Request

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

Validates and optimises payment stablecoin reserve composition against GENIUS Act (enacted Jul 2025, effective Jan 2027) requirements. Checks 1:1 backing, UST maturity caps (≤93 days), Fed deposit allocation, asset segregation, and monthly disclosure obligations. Outputs AP2 compliance mandate.

**Tool URL:** https://ainumbers.co/tools/328-genius-act-reserve-optimizer.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `issuer_type` string, required
  - `outstanding_usd` number, required
  - `reserves` object, required

## Response `200`

Successful tool execution result

- object
  - `compliance_score_pct` number
  - `backing_ratio` number
  - `ust_maturity_compliant` boolean
  - `gaps` string[]
  - `verdict` string

---

[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)