Banking primitives. Machine-callable. UK-regulated.
Banking primitives. Machine-callable. UK-regulated. The 5-Layer Control Stack is the API — no bypass surface, no exception lane, supervisor-readable by design.
Platform capabilities
Everything you need to build programmable financial workflows.
Unified Payments API
One integration for fiat and digital asset payments. SEPA, ACH, stablecoins, and more.
Built-in Compliance
KYC, AML, and sanctions screening handled automatically. Focus on your product, not regulatory complexity.
Real-time Webhooks
Instant notifications for settlements, compliance flags, and account events.
UK-regulated
Built on the UK PRA/FCA staged authorisation pathway. Supervisor-readable by design — every API call carries policy-decision metadata and control-stack receipts.
What you can build
Treasury Automation
Build automated treasury workflows that move funds across currencies and asset types based on business logic.
Embedded Finance
Offer banking services within your platform—accounts, payments, and custody under your brand.
Cross-border Payments
Move money globally with near-instant settlement and transparent pricing.
Simple, powerful APIs
Our APIs are designed to be intuitive and consistent. Create accounts, initiate payments, and manage compliance with straightforward HTTP requests.
check_circle RESTful API with JSON payloadscheck_circle Comprehensive SDKs (Node, Python, Go)check_circle Detailed API documentationcheck_circle Sandbox environment for testing
// Create a payment
const payment = await qntm.payments.create({
amount: {
currency: "USD",
value: "1000.00"
},
destination: {
type: "iban",
iban: "GB29NWBK60161331926819"
},
reference: "Invoice #12345"
});
// Webhook notification
{
"event": "payment.settled",
"data": {
"paymentId": "pay_1234567890",
"status": "completed",
"settledAt": "2026-03-18T14:30:00Z"
}
}Ready to start building?
Join our developer waitlist for early API access and sandbox credentials.