Banking infrastructure for the tokenized economy.
The financial system is becoming programmable, always-on, and tokenized. We're building the bank that operates continuously, programmatically, and with compliance built in from the start.
Why the model needs to change
Banking still runs on business hours.
Traditional banks settle 9-to-5, Monday to Friday. But business operates 24/7. Weekend gaps cost real money in trapped liquidity and missed opportunities.
Fiat and digital assets live in separate worlds.
Treasury teams manage fiat and digital assets across disconnected systems, reconciling manually and waiting for cross-border payments to clear.
Compliance is reconstructed after the fact.
Most banks build the product, then bolt on compliance. Regulatory reporting is manual, retrospective, and expensive.
Regional banks lack the platform.
Thousands of banks have the licence, capital, and local franchise. What they lack is modern infrastructure for digital assets and 24/7 operations.
What we are building
A new kind of bank
A banking institution designed to perform compliance, settlement, and treasury operations programmatically—without scaling headcount linearly with transaction volume.
UK PRA + FCA primary licensing. Built by the team behind LQID Bank.
A network for regional banks
Partner banks keep their licence, capital, clients, and brand. We provide the infrastructure for 24/7 settlement, digital asset services, and automated compliance.
Shared economics. Faster time to market.
The bank proves the model. The platform scales it. The federated network compounds the value.
Three components, one architecture. The flagship bank operates Rail A (fiat) and Rail B (tokenised) under one bank-grade perimeter. The dual-rail platform is licensable to other regulated institutions. The federated network onboards independently regulated member banks under shared QNTM standards.
Phase 1 builds it. Phase 2 launches it. Phase 3 networks it.
Rail B asset supply is accelerated by partners — including Tokenization Centre KSA, the Saudi operating company engaging the Al Wasil route (independent venture co-founded by Yves Burri), with the AGENTZ skill-tree as the licensable IP layer. Separate cap tables, personal-level cross-link only. Boundary stated.
GBP 20M @ GBP 120M pre-money — open now
Authorisation With Restrictions target — 2027 / 2028
Full authorisation + qntm.bank — 2029 / 2030
Join us in building the future
Whether you're a potential partner, investor, or future team member, we'd love to hear from you.