Compliance Score 0–100% = Licensing 30% + Reserves & audit 25% + Redemption rights 15% + Enforcement history 20% + Transparency & cooperation 10%.
Licensing: for each key jurisdiction (US, EU MiCA, UK, SG, UAE, JP, HK): 1.0 if an authorised licence is confirmed on the regulator's public register (Verified), 0.5 if only reported (issuer disclosure / press), 0 otherwise. Reserves & audit: attestation frequency (monthly 1.0, weekly 0.9, on-chain continuous 0.75, quarterly 0.5) ×40%, attestor (Big 4 1.0, other named firm 0.6) ×40%, full audit ×20%. Redemption: documented direct redemption ×70%, eligibility/terms disclosed ×30% (fees not yet captured → counted as missing). Enforcement: starts at 100; each fine/settlement deducts 25 pts, lawsuit/charge 15, other 5, weighted by recency (<2y ×1, 2–5y ×0.6, older ×0.3). Transparency: documented authority cooperation ×50%, public reserve reports ×50%.
If fewer than 50% of inputs are available the score shows Insufficient data. Every input links to its source. Ripple is pinned first in lists regardless of score.
Partner Regulatory Strength 0–100% = register-verified licences 60% + enforcement/fines 25% + public/regulated status & transparency 15%. Current registers checked: ESMA interim MiCA CASP register (CASPS.csv, 2026-10-26), name-matched. Enforcement and status inputs are not yet researched, so most partners show Insufficient data.
Badges: Verified = regulator's official public register; Reported = issuer/press source only; Not verified = no licence confirmed on any register.
Not legal advice; algorithmic assessment from public sources.
Methodology & Coverage
Published, versioned. Provenance chain: source → observation → rule → signal → explanation.
deviation_bps = (median(price_i) / target − 1) × 10 000 sources: CoinGecko, DefiLlama, Coinbase (when listed) target: $1 (USD) or live EUR/USD (EUR tokens) NORMAL <10 · WATCH 10–50 · WARNING 50–100 · CRITICAL >100 CRITICAL requires ≥2 sources beyond 100 bps freshness: LIVE <5m · DELAYED <30m · STALE · UNAVAILABLE
StableRadar does not audit reserves, does not provide legal opinions and does not guarantee redemption. Reserve data is never real-time; we display the age of the latest evidence. Contact: stableradar@gmail.com