Fraud & Illicit-Flow Assurance.
Attests controls over consumer fraud and on-chain illicit-flow tracing — the direct answer to the wallet-to-wallet laundering attack that is the most vivid rhetorical point in the CLARITY debate.
Legislative status · verified 26 July 2026
H.R.3633 (Digital Asset Market Clarity Act) passed the House 294–134 on 17 July 2025 and sits on the Senate Legislative Calendar (General Orders, Calendar No. 423) after the Banking Committee reported a substitute on 1 June 2026. Updated merged Banking/Agriculture text was released on 22 July 2026. Senate leadership expects the pre-recess floor window to be missed, and the draft still requires 60 votes. Cabier plans on the operative regimes — state trust charters and money-transmitter licensing, OCC, FRB and FDIC prudential guidance, and EU MiCA Titles III and IV for cross-border cohorts — binding through at least 2027. Legislation is the label on the control, not the control.
Source: congress.gov, H.R.3633 (119th Congress) — legislative actions and Senate Legislative Calendar, General Orders No. 423.
What governs tokenised dollars nowSub-controls (six)
- FR-08-01
Consumer-fraud & scam controls
Authorised-push-payment fraud, social engineering, and account-takeover controls.
grade: ▒▒ · evidence: ▒▒ · trust gate: ▒▒
- FR-08-02AI Assurance OS binding
Fraud-detection model
Attested via the AI Assurance OS.
grade: ▒▒ · evidence: ▒▒ · trust gate: ▒▒
- FR-08-03Chain-analytics adapter
On-chain illicit-flow tracing
Multi-hop wallet-to-wallet exposure analysis, mixer / tumbler exposure, and sanctioned-address proximity — via a chain-analytics provider adapter.
grade: ▒▒ · evidence: ▒▒ · trust gate: ▒▒
- FR-08-04
High-risk counterparty & VASP exposure
Counterparty risk assessment and exposure-limit attestation.
grade: ▒▒ · evidence: ▒▒ · trust gate: ▒▒
- FR-08-05L3 runtime binding
Real-time intervention / hold & freeze
Issuer intervention controls; evidence cross-linked to L3 smart-contract runtime primitives (freeze / clawback / pause).
grade: ▒▒ · evidence: ▒▒ · trust gate: ▒▒
- FR-08-06
Fraud loss & reimbursement governance
Loss-event governance and consumer-reimbursement policy.
grade: ▒▒ · evidence: ▒▒ · trust gate: ▒▒
Named outputs
- · Fraud-Control Effectiveness Grade
- · Illicit-Flow Exposure Attestation
Regulatory anchors
- · FinCEN fraud advisories [verify]
- · UDAAP [verify]
- · EFTA / Regulation E analogues [verify]
- · FATF Travel Rule [verify]
- · OFAC SDN list [verify]
Acceptance
Illicit-flow tracing demonstrably integrates a chain-analytics source. Intervention controls link to L3 runtime evidence. Model-driven sub-controls show a live AI Assurance OS binding. No methodology is exposed in any output.