🪙 STABLECOIN ISSUERS · RESERVE MANAGERS

Prove your stablecoin is fully backed — without revealing what's in the reserve.

Every stablecoin issuer eventually faces the same demand: prove that reserves fully back the tokens in circulation. The usual answer is a monthly attestation letter or a full portfolio disclosure — one asks holders to trust a third party's opinion, the other exposes the custody and counterparty structure a treasury team needs to protect. VeraZK generates a post-quantum proof that reserves meet or exceed circulating supply, verifiable independently by any holder or regulator, with the underlying composition never leaving your infrastructure.

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GENIUS ACTMiCAMAS SCSBAMFINMA

The Problem

Why the current approach forces a trade-off.

The obligation and the disclosure it demands are two separate things. Today they are bundled together — and that bundling is a choice, not a requirement.

Attestation letters are a trust exercise

A monthly PDF from an accounting firm confirms a snapshot, signed by a party the holder has no way to independently verify. It is a professional opinion, not a mathematical guarantee.

Full disclosure creates new risk

Publishing exact reserve composition and custodian relationships hands competitors information that has nothing to do with proving solvency and everything to do with counterparty risk.

Regimes are converging fast

The US GENIUS Act, EU MiCA, and the MAS Single-Currency Stablecoin framework each mandate reserve backing and regular attestation, with independent verifiability increasingly the expectation.

Monthly says nothing about the other 29 days

A periodic snapshot leaves the intervening period unproven. As redemption volumes grow, “backed as of last month” is a materially weaker claim than “backed right now.”

How It Works

From your data to an independently verified proof.

The same four-step process used across every VeraZK service, configured for this proof type.

Configure Your Service

Select the proof service you need, map your data sources, and define the rules your data must satisfy. Configuration is declarative — a manifest file, not custom code.

Your Data Stays Inside Your Infrastructure

The VeraZK engine runs entirely within your own systems. Customer identifiers are irreversibly anonymised inside your hardware before any computation begins. Raw data never leaves your trust boundary.

The Proof is Generated

A post-quantum proof is computed over your data — proving the required properties without embedding any raw data in the output. The bundle is compact, tamper-evident, and carries a complete signed audit trail.

Anyone Can Verify — Independently

The regulator, your auditor, your counterparty, or any member of the public runs the verifier against the proof bundle. Verification requires no account and no call to our systems.

What This Service Does

Stablecoin Proof of Backing in practice.

Real-time or periodic proof of full reserve backing

Independent verification by any holder or regulator

Reserve composition remains confidential

Designed for GENIUS Act, MiCA, MAS SCS, and BAM stablecoin mandates

What We Guarantee

Properties of the proof system, not promises about us.

🔒 The proof cannot be forged

Producing a false proof that passes verification is computationally impossible — even for the institution that generated it. A mathematical property, not a policy.

👁️ Zero data exposure

No customer record, transaction amount, balance, or proprietary data point appears in any proof bundle. Exposure is zero by construction.

🌐 Anyone can verify

The verifier requires no account, no licence, and no contact with us. Any regulator or auditor reaches the same result independently.

🛡️ Post-quantum secure

Resistant to both classical and quantum attack. No trusted setup ceremony, no shared secrets, no single point of trust.

🔗 Tamper-evident audit trail

Every stage of the pipeline produces a signed, chained record. Tampering between stages is cryptographically detectable.

⚡ Verification in seconds

Any proof can be verified in seconds on a standard laptop. No cloud infrastructure, no specialised hardware, no GPU.

Regulatory Fit

Configured to how each regime defines the obligation.

United States — GENIUS ActReserve-backing and reporting requirements for payment stablecoins, with independent proof reducing reliance on issuer-selected attestors.

European Union — MiCAAsset-referenced and e-money token issuers face reserve-adequacy and safeguarding obligations under MiCA's Title III and IV regimes.

Singapore — MASThe Single-Currency Stablecoin framework requires reserve assets to at least match circulating value, with regular independent attestation.

Morocco — BAMAs Bank Al-Maghrib builds its digital-asset licensing regime under Bill 42.25, reserve-backing proofs position issuers ahead of formal attestation mandates.

FAQ

Questions specific to this service.

Does the proof reveal which assets back the stablecoin?+

No. The proof shows that reserve value meets or exceeds circulating supply. It does not reveal asset composition, custodian identity, or wallet addresses — composition stays confidential by construction, not by policy choice.

Can this run on a real-time cadence?+

Yes. Production deployments support automated recurring proofs daily, weekly, or continuously, replacing a monthly snapshot with an always-current guarantee.

Who can verify the proof once published?+

Anyone — a token holder, an auditor, or a regulator — with no account and no request to VeraZK's systems. The result is deterministic: every verifier reaches the same conclusion from the same proof.

Does this replace our existing attestor?+

Not necessarily. Many issuers run this alongside an existing attestor, using the proof as an independently verifiable complement rather than a replacement, at least initially.