Know where your crypto stands.
Is XRP a security? Is Bitcoin a commodity? Add the tokens you hold and get a plain-English read on how each would likely be treated under the US CLARITY Act, with every answer backed by SEC, CFTC and court sources.
Track up to 5 tokens free · No keys or seed phrases, ever · Evidence checked Oct 19, 2026 · Not legal or financial advice
BTC
ETH
USDC
XRP
HYPEBTCBTC$81,948.00 ▲ 1.54%ETHETH$2,398.82 ▲ 2.61%
USDTUSDT$0.9993 ▲ 0.01%
BNBBNB$727.55 ▲ 3.05%XRPXRP$1.30 ▲ 3.62%USDCUSDC$0.9999 ▲ 0.01%
SOLSOL$104.50 ▲ 3.84%
TRXTRX$0.3310 ▼ 0.13%
FIGRFIGR_HELOC$1.02 
ZECZEC$1,128.11 ▲ 6.58%HYPEHYPE$78.16 ▲ 2.60%
DOGEDOGE$0.07940 ▲ 4.02%
XMRXMR$596.52 ▲ 3.42%
USDSUSDS$1.00 ▲ 0.04%
WBTWBT$80.01 ▲ 1.74%At a glance
The top 100 tokens todayMost tokens (73 of 100) have no official US classification yet, so they're rated Unclear. 16 are named digital commodities, 6 are payment stablecoins and 5 have security-type risk.
- CLARITY ActNot law · pending in Senate
- Evidence behind the statuses396 sources · 156 official
- Exchanges checked11, with sourced licences
- Last checkedOct 19, 2026
CLARITY Act status
Passed the House. Not law yet.
The CLARITY Act cleared the House 294–134 in July 2025. On Sept 15, 2026 the Senate fell short of the 60 votes needed to start debate (49–50). A motion to reconsider is on file, so the bill could return.
What's in the bill →Verified Oct 19, 2026 · Congress.gov & Senate roll call vote No. 234
New this week Live
What changed
Reviewed updates and status changes (latest, as this week was quiet), plus regulator news our daily check picked up.
Reviewed list updated Oct 19, 2026
- Oct 19, 2026StablecoinsTreasury's GENIUS Act proposed-rule comment period closes USDT USDC
- Oct 19, 2026Status reviewAll 100 token statuses re-reviewed against public evidence using ClarityCheck's published rules
- Sep 29, 2026ETFBitwise NEAR ETF (NRR) begins trading NEAR
- Sep 15, 2026BillSenate cloture on CLARITY Act fails 49–50
- Aug 18, 2026StablecoinsTreasury proposes GENIUS Act issuance rules USDT USDC
- Jul 10, 2026StablecoinsCircle receives final OCC approval for national trust bank USDC
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The four statuses
Every token, one clear label
Traded like a commodity
Named by the SEC as a digital commodity. Spot markets would be overseen by the CFTC under the CLARITY Act.
Regulator: CFTC
Dollar-backed
Issued by a company and redeemable 1:1 for dollars. Covered by the GENIUS Act, already law.
Framework: GENIUS Act
Still being decided
No official US classification yet. We show the market signals and what to watch.
Regulator: TBD
Strong official basis only
Reserved for tokens a court or regulator has formally treated as securities. Also used for tokenized fund shares the issuer itself treats as securities.
Regulator: SEC
Statuses are rules-based estimates built from public evidence (see our method). They are not determinations by the SEC, the CFTC or any court.
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