OPERA · Reserve Management · L03 · Simulation Mode
Data Collection Agent
AI Assessment Agents (6)
Assurance Engine
Regulatory Mapping
Alert: Concentration
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OPERA Assurance Score
83
/100
Moderate Assurance
1 open alert requires attention
Domain Breakdown
Impact Tolerances
Redemption Ceiling
24 hrs
Within tolerance
GENIUS Act §7 · FFIEC BCP
Treasury Ledger RTO
4 hrs
Secondary rail tested
NIST SP 800-34 · OCC §15.10
Reserve Record RPO
~0
≤ 60 sec checkpoint
OCC §15.12 · 18 U.S.C. §1001
Reserve Management
L03 · Critical Function · Simulated reserve: $2.847B outstanding · Last cycle: just now
1 Alert Open
Reserve Coverage Ratio
101.8%
$2.898B reserves / $2.847B supply
OCC NPR §15.10 · GENIUS Act §4(a)(1)
Required: ≥100%✓ Compliant
WAM — Weighted Avg Maturity
12.4 days
Pre-trade gate active · Limit 20 days
OCC NPR §15.10(b)
Ceiling: 20 days✓ Compliant
Overnight Liquidity
19.2%
$557M available T+0 · Minimum 10%
OCC NPR §15.11
Minimum: ≥10%✓ Compliant
Custodian Concentration
38.4%
Primary custodian · NYDFS cap approaching
NYDFS Proposed Rules 2026 · FDIC §350.39
Limit: ≤40%⚠ Monitor
3-Ledger Reconciliation
In Balance
On-chain · Issuer · Custodian — all matched
GENIUS Act §4(a)(1) · OCC NPR §15.10
Tolerance: <$1,000 variance✓ Matched
Redemption Volume (Today)
1.4%
$39.9M · FDIC notification at 10%
FDIC NPR §350.5(c)(1)
Notify FDIC: ≥10%✓ Normal
AI Assessment Agents — Current Cycle Output
Click any agent to expand findings
Active Alerts & Exceptions
● 1 Medium
● 0 Critical
Custodian Concentration Approaching NYDFS Cap
Primary custodian holds 38.4% of total reserves — within 1.6 percentage points of the proposed NYDFS 40% single-custodian concentration limit. Trending up 0.8% over the past 5 days due to T-bill reinvestment. Action required before cap is breached.
OPEN · Agent 3 · Detected today · NYDFS Proposed Rules 2026 · FDIC NPR §350.39
MEDIUM
Monthly CEO/CFO Certification — Due in 8 Days
June certification package auto-populated from reserve data. Reconciliation sign-off pending from Operations. CEO/CFO review scheduled. No breach — advance notification only.
MONITORING · Agent 6 · OCC NPR §15.12 · FDIC NPR §350.15 · 18 U.S.C. §1001
INFO
Regulatory Readiness
GENIUS Act
94%
NYDFS 2026
87%
OCC NPR
96%
FDIC NPR
91%
ISO 22301
88%
Evidence Generated — This Cycle
8 artifacts
Ask OPERA · Natural Language
OPERA
Reserve Management assurance score is 83/100 — Moderate Assurance. One open medium alert on custodian concentration. All three impact tolerances are within ceiling. Ask me anything about current reserve status.
● AI agents reasoning…
Impact tolerances?
Biggest risk?
OCC ready?
Concentration alert