Built for UK supervision. Designed for the licence we are seeking.
Phase 1 is foundational build, pre-licence. Phase 2 targets Authorisation With Restrictions. Phase 3 closes federated network onboarding. Every claim on this site is filed against a 5-tier claim taxonomy.
Three phases. Milestone-linked. UK first.
We are not promising a licence. We are building a regulated rebuild on a track UK supervisors recognise. Hubert and Hani co-founded LQID Bank — secured PRA Authorisation With Restrictions and FCA e-money licence. Same playbook, scoped to QNTM doctrine.
Foundational Build
check_circle Pre-application engagement with PRA + FCAcheck_circle ICAAP / ILAAP developmentcheck_circle SMF candidate cultivationcheck_circle Architecture Blueprint v2.1 + Technical Architecture Document
Authorisation With Restrictions + UK launch
check_circle Formal application submittedcheck_circle AWR grant targetcheck_circle UK production launch on regulated railscheck_circle Full ICAAP / ILAAP submission
Full authorisation + federated network
check_circle Restrictions liftedcheck_circle Federated network onboarding stagecheck_circle qntm.bank domain activation post-FCA banking licencecheck_circle Multi-jurisdiction considered only after UK steady state
QNTM does not hold client funds or execute live settlement prior to obtaining regulatory authorisation.
Policy before execution. Always.
Every transaction routed through the QNTM platform passes the 5-Layer Control Stack before settlement. No exception lanes. No bypass. Supervisors, auditors, and customers see the same trail.
Pre-execution policy gate. Risk limits, jurisdictional rules, signer authority.
Double-entry ledger update concurrent with execution. No batch-settlement lag.
Real-time treasury position, liquidity metrics, intraday capital.
Continuous transaction screening — sanctions, PEP, behavioural anomaly.
Immutable evidence store. Regulator-readable, auditor-readable, customer-readable.
Five-tier claim taxonomy
Stop conflating intent with operation. We took the brief. Every claim about QNTM is filed against one of five tiers, on every page, in every deck.
Proven fact
Signed contracts, registered domains, executed MoU, founders named.
Design intent
Architecture decisions, component specifications, Rail A/B commitments.
Management estimate
Phase 1 use-of-proceeds allocation, milestone timelines, raise structure.
Target-state ambition
Federated network composition, post-AWR scope, jurisdiction expansion.
Regulatory dependency
AWR grant, full authorisation, qntm.bank activation — gated by PRA/FCA.
Compliance is not a feature. It is the architecture.
QNTM is being built, from the first sprint, on the assumption that a UK supervisor will read every line. That changes everything about how the platform is designed.