Don't rebuild your core. Plug into the federated network.
Most regulated banks know their core stack is twenty years past its sell-by date. Replacing it costs nine figures and takes seven years. The QNTM federated network is an alternative — a regulated, dual-rail, agentic banking platform that member banks plug into, brand-neutral, post-Phase 2.
The bank proves the model. The platform scales it. The federated network compounds the value.
QNTM is being built as a regulated flagship bank first. Once authorised, the same platform is offered to member banks under a federated network arrangement. Member banks retain their own brand, their own customers, and their own balance sheet — they outsource the rail, not the relationship.
“The bank proves the model. The platform scales it. The federated network compounds the value.”— Canonical tagline, QNTM doctrine
What you share
Shared infrastructure. Independent franchise.
Dual-rail platform
Rail A fiat + Rail B tokenised, on regulated UK rails.
5-Layer Control Stack
Policy / Accounting / Treasury / Compliance / Evidence — single architecture, single evidence trail.
Agentic interface
Programmable banking primitives, supervisor-readable by design.
Federated AML/KYC
Shared screening models, shared SAR evidence standard, network-level model versioning.
What you keep
Your customer franchise
QNTM is brand-neutral inside the network. Your customers stay yours.
Your balance sheet
Member banks operate their own balance sheet under their own licence.
Your supervisory relationship
QNTM is supervisor-readable; the supervisory relationship remains yours.
Phase status — Phase 3 target-state
Federated network onboarding is the Phase 3 milestone (target 2029 / 2030, post-full-authorisation). We are scoping member-bank candidate conversations now under MoU so the network is ready to onboard the moment AWR-stage restrictions lift.
Three milestone-linked phases
- Phase 1 — 2026Foundational build · GBP 20M at GBP 120M pre-money
- Phase 2 — 2027 / 2028Authorisation With Restrictions · UK launch
- Phase 3 — 2029 / 2030Federated network onboarding · qntm.bank activation
If your core is twenty years old and you don't want to spend seven years on a replatform, talk to us.
All federated network conversations route through the founder team via bilateral MoU.