The bank, the platform, the federated network for the tokenised financial system.
A regulated, agentic, dual-rail banking architecture for fiat, stablecoins, tokenised deposits, and tokenised assets. UK PRA/FCA primary licensing pathway. Built by the team behind LQID Bank (PRA AWR + FCA e-money already secured).
What we do
Unified banking infrastructure for the tokenized economy.
Regulated Flagship Bank
UK-licensed institution operating Rail A (conventional fiat) and Rail B (approved tokenised) inside one bank-grade perimeter, full PRA/FCA posture from day one. Proves the model.
Learn moreDual-Rail Platform
Agentic orchestration, compliance, accounting, treasury, and evidence layer that makes regulated tokenised banking executable at production volume. Licensable to other regulated institutions. Scales the model.
Learn moreFederated Network
Independently regulated member banks operating under shared QNTM standards. Local independence + network coherence + compounding scale. Compounds the value.
Learn more5-Layer Control Stack
Policy & Authorisation · Real-Time Accounting · Treasury & Liquidity · Compliance & AML · Evidence & Audit Trail. Wired into the rails. Policy before execution. Always.
Learn moreTwenty years of fintech. The system is still legacy.
Despite USD ~650bn in fintech revenue, 96% of the financial system still runs on legacy infrastructure that cannot natively handle tokenised cash, programmable settlement, or real-time compliance. The next generation of winners will be regulated infrastructure platforms that combine licence, orchestration, compliance, accounting, and distribution into one operating system. QNTM is built as that system.
Treasury & Settlement
Cross-border, atomic, dual-rail settlement and liquidity services priced at institutional terms. 24/7 movement across fiat and tokenised rails.
Compliance & Orchestration
Bank-grade KYC/AML/evidence/orchestration as a regulated managed service — the most defensible service line in the platform.
White-Label Infrastructure
Embedded dual-rail capability for institutions modernising without rebuilding their core. Unlocks demand from larger incumbents that cannot replatform on their own timeline.
UK PRA + FCA primary licensing pathway
QNTM's primary licensing jurisdiction is the United Kingdom. Authorisation-first by design: every Rail B activity is subject to regulatory classification + approval in each jurisdiction. Federated network member banks are independently licensed in their own jurisdictions under shared QNTM standards.
QNTM is the rebuild.
The QNTM Bank Project is raising the Phase 1 founding round to build the bank, the platform, and the federated network. All investor enquiries route through the founder team via bilateral MoU.