Regional tokenisation track · United States

    Above DTCC. Above The Clearing House. Above the chain.

    US tokenisation is being built by the two largest post-trade and payments utilities on earth. DTCC's tokenised collateral and settlement platform goes live in July 2026 on the securities cohort; The Clearing House is convening the bank-issued tokenised-deposit network on the deposits cohort for H1 2027. Cabier sits above both — one institutional control plane carrying SEC, FINRA, OCC, Federal Reserve, FinCEN and state regulator obligations on a single substrate. Canada and other regional tracks layer onto the same engine; the US is where the institutional volume lands first.

    Live track
    Live · 2026
    Regulator map
    SEC

    Securities-law characterisation of tokenised instruments, transfer-agent obligations, custody (Rule 15c3-3), and Reg ATS treatment of token venues. Staff statements on crypto-asset securities carried as versioned controls.

    FINRA

    Member firm conduct on tokenised securities — suitability, books-and-records (Rule 4511), supervision (Rule 3110), and Notices 21-25 / 22-08 on crypto-asset offerings.

    OCC

    Interpretive Letters 1170, 1172, 1174 and the 2025 guidance permitting national banks to custody crypto-assets, hold reserves for stablecoins, and use distributed ledgers for permissible payment activities.

    Federal Reserve

    FedNow interplay, SR 23-7 novel-activity supervision, master-account access policy, and the wholesale-CBDC research thread out of the New York Fed (Project Cedar, Regulated Liability Network).

    FinCEN

    BSA money-transmission characterisation, Travel Rule envelope at $3,000, SAR/CTR obligations, and the proposed CVC mixing rule carried through the AML cohort.

    CFTC

    Commodity-token jurisdiction, swap and DCM obligations where tokenised instruments reference commodities, and Division of Clearing and Risk guidance on tokenised collateral.

    NYDFS

    BitLicense, virtual currency custody framework, and 23 NYCRR Part 200 — the de-facto state-level standard adopted by most US institutional issuers.

    State money-transmitter regime

    49-state MTL matrix, MSB registration, and the Money Transmission Modernization Act adoption tracked per jurisdiction.

    Cohort treatment in United States
    Cohort A · Tokenised securities (US — DTCC-led)

    DTCC's July 2026 tokenised collateral and settlement launch is the largest single tokenisation event in the institutional market. SEC / FINRA conduct, transfer-agent and custody obligations, Reg ATS treatment, and SR 11-7 model governance on the issuance and lifecycle controls. Cabier carries asset-level controls (mint, burn, freeze, force transfer) and the institutional L5 substrate above them.

    Cohort B · Tokenised deposits (US — TCH-led)

    The Clearing House is convening the bank-issued tokenised-deposit network for H1 2027. OCC interpretive letters, Federal Reserve SR 23-7 novel-activity supervision, FDIC insurance look-through, BSA/AML obligations, and FedNow / CHIPS settlement-cadence reconciliation. Continuous Control Monitoring runs at 24/7 cadence.

    Build deltas against the generic global substrate
    Δ1
    DTCC integration surface (securities cohort)

    Lifecycle controls mapped to the DTCC tokenised collateral and settlement platform — issuance, corporate-actions, collateral movement, and reconciliation against legacy CSD records. Versioned as DTCC publishes implementation specifications through 2026.

    Δ2
    TCH tokenised-deposit network (deposits cohort)

    Bank-issued deposit-liability controls across the TCH network — segregation, redemption, insured-deposit attestation, and inter-bank reconciliation. Carries the H1 2027 launch artefacts as they are published.

    Δ3
    FedNow / CHIPS / Fedwire reconciliation

    Mint and burn events reconciled against FedNow, CHIPS, and Fedwire settlement records in near-real time. Discrepancy alerts route to the institution's operations and risk functions with evidence attached.

    Δ4
    FinCEN Travel Rule envelope (CTRE-US)

    BSA-compliant originator/beneficiary envelope carried across US and cross-border flows, mapped to FATF Recommendation 16 and IVMS101, with the $3,000 threshold and the proposed CVC mixing rule pre-instrumented.

    Δ5
    SEC / FINRA staff-statement tracker

    Live mapping of SEC and FINRA staff statements to control obligations on the securities cohort. NYDFS, Texas, and California nuances carried explicitly where they diverge.

    Δ6
    Federal Reserve / OCC supervisory interface

    Regulator-facing window scoped per supervisor: ORS lineage, control effectiveness grades, reconciliation evidence, and incident reports at the depth the Federal Reserve, OCC, or state supervisor specifies.

    What is withheld from this brief

    ORS weights, the effectiveness-grade rubric, Trust Gate definitions, the dependency-graph internals, and the institutional control library specifics for United States. The category map is public; the full operating disclosure is released only under signed terms.

    Cabier sits above the rail. The rail settles; the institution governs.