12-month regulatory deadline
Banking & CLARITY Act

CLARITY Act compliance,
ready today.

Section 404 requires activity-based yield tracking for every stablecoin deposit. Hive provides real-time, post-quantum signed attestations at $0.00020 each — priced against the compliance headcount you replace.

Patent Pending · HC-2026-001 · ML-DSA-65 signed · Base-anchored

$0.00020
per attestation — activity-based yield event

Compliance analyst + audit coord $160K–$280K / FTE / yr
Hive attestation cost $0.00020 / event
Proof format ML-DSA-65 + Ed25519
Anchoring Base (USDC)
Proof size 3,309 bytes
Verify latency 8.6ms offline
Compression vs baseline 60–76%
Ready now. No waiting for standards bodies. ML-DSA-65 is NIST FIPS 204. Receipts are offline-verifiable by any regulator with the public key.
Regulatory deadline
12 mo.
Section 404 permitted activities — Fed, OCC, FDIC, NCUA, Treasury
Cost per attestation
$0.00020
vs. $160K–$280K compliance FTE annually
Quantum-resistant
FIPS 204
ML-DSA-65 — NIST Category 3 — receipts valid in 2055
The problem

Three gaps no existing vendor solves

Section 404

Activity-based yield tracking

Every stablecoin deposit must prove which activities generated yield, when, and at what rate. Spreadsheets and log fragments fail the audit standard. Banks need a signed, immutable per-event trail.

Deposit flight risk

Real-time attestation at scale

Banks face deposit flight as customers move assets to yield-bearing stablecoins. The compliance team can't manually attest millions of micro-yield events. The system must be automated, cryptographic, and auditable.

Quantum exposure

Signatures that hold in 2035

Compliance evidence signed with ECDSA today may be forgeable by quantum computers before the regulatory review window closes. Banks need post-quantum signatures on every attestation — not as a roadmap item.

The solution

Capitolare: the compliance layer for stablecoin banking

1
Every yield event produces a signed receipt ML-DSA-65 + Ed25519 dual-signature. 3,309-byte proof. Offline-verifiable by any regulator. No shared secret required.
2
Receipts anchor to Base in real time USDC-settled. Immutable chain of custody. Tamper-evident by construction — no log-stitching, no post-hoc assembly.
3
Regulator exports a verifiable package One signed ZIP. Every attestation, every timestamp, every public key. No vendor access required during examination.
4
Algorithm epoching — upgrade without restatement When NIST moves to the next standard, Hive R12 carries a backward-compatible transition proof chain. Old receipts stay valid. New receipts carry both signatures.
CLARITY Act timeline
CLARITY Act enacted Stablecoin issuance framework established. Section 404 activity-based yield rules triggered.
Hive infrastructure ready ML-DSA-65 receipts, Capitolare settlement venue, Base anchoring — live today. Patent Pending HC-2026-001.
12 months — permitted activities defined SEC, CFTC, Treasury must jointly define permitted activities. Banks need attestation infrastructure in place before this date.
24 months — deposit impact report Fed, OCC, FDIC, NCUA, Treasury report on deposit migration. Banks with signed receipt trails are positioned. Others are not.
Competitive landscape

Nobody else has this stack

Chainalysis does surveillance. Fireblocks does custody. Nobody does real-time, post-quantum, activity-based yield compliance. Until now.

Capability Chainalysis Fireblocks KITE AI Hive
Activity-based yield attestation No No No Yes — per event
Post-quantum signatures No No No ML-DSA-65 FIPS 204
Offline-verifiable receipts No No No Yes — 8.6ms verify
Algorithm epoching No No No R12 — transition chain
USDC / Base settlement No Yes Partial Yes — native
Cost per attestation N/A N/A N/A $0.00020
Regulator export package Yes Partial No Yes — signed ZIP
12-month deadline — start now

Start a CLARITY Act pilot.
We are ready today.

Bring your deposit volume. We will show you what a signed, regulator-ready receipt looks like for every yield event — before the compliance window closes.

Patent Pending · HC-2026-001 · All receipts signed · Every benchmark reproducible