Limits
What this does not do
This product keeps a file of facts about how you implement the GENIUS Act. That is the whole job. Everything below is out of scope. If a sentence on another page sounds bigger than this list, this list wins.
The GENIUS Act (Pub. L. 119-27) is enacted US law. Most payment-stablecoin duties start on the statutory effective date — the earlier of 18 January 2027 or 120 days after final implementing regulations. Those regulations are not final as of this build. Only enacted law and final agency rules are pinned; bills, including the CLARITY Act, and proposed rules are not.
01
Not legal advice
Nothing here is an opinion, a memo, or a substitute for counsel. Mapping a section to a control is not interpreting the law for you. No attorney-client relationship is created.
02
Not a compliance certification
The certificate records that a process ran against a pinned source. It does not say anyone complies with GENIUS, BSA, OFAC, state money-transmission law, or anything else.
03
Not a regulator filing
It does not file with the FDIC, the OCC, the Federal Reserve, a state, FinCEN, OFAC, the SEC, or the CFTC. It does not make you a permitted payment stablecoin issuer.
04
Not an accountant examination
Reserve packages are numbers you supplied, hashed. They are not an attestation, audit, or examination under AICPA or any other professional standard.
05
Does not pin bills or proposals
A bill such as the CLARITY Act, or a proposed rule, is never pinned and creates no duty here. It becomes a pin only once enacted or adopted as final.
06
Catalog is incomplete
Controls are a selected-provision map. They are not every obligation in GENIUS, BSA, OFAC, state law, or any other source. Missing a control is not a finding that the duty does not exist.
07
Hashes prove storage, not law
Section hashes are of the codified excerpts this catalog stores. The enrolled Public Law PDF from govinfo is pinned by its own hash, which shows the file is the one fetched from GPO. Neither makes the stored excerpts a certified copy of the statute, and neither says how the law applies to you.
08
Does not execute production freezes
The lawful-order log records intake, execution and release, each stamped with the signed-in person who recorded it. One operator can record every step; it does not enforce a second person. It does not push a deny-list to a chain or a custodian.
09
Does not talk to your bank, chain, or sanctions vendor
There is no live custody feed, no RPC watcher, no OFAC wire. Systems POST here. This software does not pull from them and does not verify what they send.
10
Does not decide who may issue or list a coin
Listing screens are internal notes. Default is not determined. There is no official permitted-issuer register here.
11
Does not classify yield as legal or illegal
The inventory records programs you name. Counsel still decides whether something is interest or yield solely for holding a payment stablecoin.
12
Does not authenticate evidence
Evidence is hash-only: a title, a locator, a digest. The software does not keep the file, prove the hash matches a real document, or waive privilege.
13
Does not complete your AML program
Naming an officer and hashing a statement is not a reasonably designed BSA program and is not a FinCEN or OFAC determination.
14
Does not replace the people the statute still requires
Counsel, any required CEO/CFO certification, the public accountant, the BSA officer, and the board still have jobs. This records work you say they did. It does not do that work.
15
Keep an independent copy of your reporting records
We store your file and maintain database backups, but storage can fail. Download and keep your reporting records: the billing page downloads your complete data archive, and each report you prepare downloads as its own file. You remain responsible for filings, certifications, and any statement you make to a regulator, auditor, customer, or court. The Terms explain our warranty and liability limits.
This software records implementation work you type or POST. It is not a law firm, accountant, or regulator. It is not legal advice, a legal opinion, a filing, an approval, an examination, or a statement that anyone complies with any law. Use is AS IS, without warranty. You are solely responsible for what you write and for any conclusion you draw.
AS IS. No warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, title, or non-infringement. The catalog is a selected-provision map, not a complete statement of any statute. A hash shows that a stored text or record has not changed since it was hashed; it is not proof that a real-world fact is true. The limitations of liability and indemnity in the Terms apply.
Terms · What it is.