Twenty years of fintech. The system is still legacy.
Twenty years of fintech. The system is still legacy. QNTM is the dual-rail, regulated, agentic platform for institutional treasury, payments, and capital-markets desks — fiat and tokenised on the same rail, under one supervisor.
The institutional gap
Payments rebuilt on a 1980s ledger. Stablecoin volume now exceeds USD 35tn a year, mostly outside the supervised perimeter. Fintech holds about 4% of the global revenue pool — the remaining 96% is still operated on infrastructure designed before the internet. Institutional treasury, payments, and capital-markets desks need fiat and tokenised settlement on the same regulated rail, with the same control stack, under the same UK supervisor.
“USD 35tn cleared in stablecoin volume in 2025. Most of it never touched a regulated bank.”— Higginson et al., February 2026
Dual-rail, regulated, agentic — by design
One regulated rail for fiat and tokenised settlement, under one supervisor.
Rail A — Fiat
GBP / EUR / USD on regulated correspondent rails.
Rail B — Tokenised
Stablecoin and tokenised-RWA settlement, atomic with Rail A.
5-Layer Control Stack
Policy / Real-Time Accounting / Treasury / Compliance / Evidence — every transaction, every layer.
Agentic interface
Machine-callable banking primitives. Not a chat wrapper around a legacy core.
Where institutions plug in
Treasury & Settlement
Real-time intraday position, atomic FX, tokenised cash leg, regulator-readable evidence.
Compliance & Orchestration
Continuous transaction screening, SAR-ready evidence trail, AML model versioning.
White-Label Infrastructure
Member banks of the federated network access Phase 2 platform under brand-neutral terms.
UK PRA + FCA primary licensing pathway
QNTM's primary licensing jurisdiction is the United Kingdom. Phase 1 is foundational build pre-licence; Phase 2 targets Authorisation With Restrictions; Phase 3 closes federated network onboarding.
QNTM does not hold client funds or execute live settlement prior to obtaining regulatory authorisation.
Phase 1 — open now
- GBP 20M at GBP 120M pre-moneyFoundational build · UK PRA + FCA pre-application
- Built by the LQID Bank teamPRA Authorisation With Restrictions + FCA e-money already secured
- Three milestone-linked phasesGBP 60M total · pro-rata for Phase 1 investors
Phase 2 launch is targeted for 2028. Phase 1 is open now.
If you would like to scope a Phase 2 platform integration ahead of the AWR window, we are accepting institutional conversations under MoU.