On the Quantoz account
E-money balance
Within Quantoz
Your account
Their account
Under 1 secondInternal settlement, 24/7
Private account recordBoth parties hold a Quantoz account
Treasury & repeat paymentsAccount settlement and currency conversion
Digital money platform
Your money flows.One connected platform.
Issue, manage and move regulated e-money through a proprietary platform that connects accounts, treasury and blockchain flows.
01 / One operating core
Build the experience.
Connect the money behind it.
Use the platform directly or integrate it into your own systems and products.
App & portalOperate an accountBusiness softwareConnect through APIsPartner productEmbed money services
Proprietary digital money platformBank railsSEPA · SWIFT
Public networksTokens & network identifiers
Ethereum
Polygon
Algorand
Stellar
XRP Ledger
Xahau
LayerZero connects supported token routes between networks.
02 / Two forms of money
Choose where
settlement happens.
Regulated e-money, issued by Quantoz Payments. Different routes for different recipients.
On public blockchains
E-money token
On a public network
Your wallet
Their wallet
Seconds, 24/7Subject to network confirmation
Compatible walletsSame token and network; public record
On-chain settlementSelf-hosted wallet or chosen custodian
Connect the forms through issuance and redemption
How redemption works Issue directly to a verified wallet you control. Redeem with Quantoz at par in the token's own currency. FX is separate; bank payout follows processing times.
03 / Automation & control
Let the rules work.
Keep oversight in place.
Treasury
Put balances to work.
Treasury balance
Funding rulesAllocate fundsConsolidate balances
Collections
Operations
Settlement
Coordinate funding, payments and liquidity through treasury rules and APIs. Keep operations visible in the portal.
Explore commercial flowsGovernance
Keep instructions in policy.
Platform instruction
IdentityMandatesLimitsScreening
Within policy: processOutside policy: stop
Authorisation & transaction record
Apply checks to platform instructions and retain their context for reconciliation, oversight and reporting.
Explore controlled automation04 / Proven in production
Operating history.
Independent assurance.
Platform metricsIn production since 2015
10+Years in production
100M+Transactions processed
1.5M+Wallets
200k+Transactions per day
€5B+Transaction volume
Quantoz Payments B.V. issues the e-money under its EMI licence. Customer funds are safeguarded separately. Certificates and assurance reports support partner due diligence.
Review the safeguards05 / Pricing
Pricing built around
your money flow.
Use Quantoz money services directly or through an embedded integration. Agree the model around your services and expected activity.
Payments & minting
CollectionsPercentage feeMinimum per transaction
Individual mintingFixed chargePer mint to a holder's address
Network liquidity
Embedded partnerships
Services
Markets
Activity
agreement
06 / Build with Quantoz
Start with
the right interface.
Payments integration
Connect your account, business systems or customer experience to Quantoz Payments. Access follows the agreed services and permissions.
Start with Payments APIsPlatform technology
Explore the platform's administration, configuration and SDKs. This is a separate technology route with its own operating and licensing arrangements.
Open platform documentationBefore you connect
Your platform
questions, answered.
How is our commercial agreement determined?
Terms reflect the services you use, expected activity, currencies, markets and payment routes. We agree the pricing model and enabled functions before production access. The models above cover Quantoz money services and embedded integrations. Operating your own platform environment has separate technology licensing and operating arrangements. Discuss your requirements.
Which costs are separate from the service price?
Currency conversion, bank transfers and blockchain transactions can carry separate charges. An exchange or local payout provider sets its own fees. Issuer redemption of e-money tokens is at par without a redemption fee; applicable network and non-SEPA bank-transfer charges are separate. Review the complete route in your agreement. Redemption details.
Do we need a blockchain wallet?
Not for payments between Quantoz accounts. Public tokens need a compatible wallet. Direct issuance uses a verified address you control; you can choose self-custody or a supported custodian. The Quantoz Wallet app accesses the regulated account.
Can we embed the services in our own product?
Yes. You build the customer experience; Quantoz provides the agreed regulated money services. Customers are verified and access is governed by the account, consent and permissions. Explore the partner model.
Does Quantoz tokenise securities or provide financing?
For these solutions, Quantoz supplies the regulated money. Asset issuers and trading venues handle securities and asset-delivery logic; a separate funder provides any financing. Explore the cash leg.
Which currencies, networks and services can we use?
Choose the combination for your account and use case. Availability follows the service agreement and supported token routes. Token identifiers and networks provide the detail. Explore the pricing models and talk to Quantoz about access.
Is the money a bank deposit?
It is electronic money, not a bank deposit. Deposit guarantee schemes do not apply. Funds received in exchange for e-money are safeguarded separately from the issuer's own assets. Safeguarding explained.
See it in practice
Your money flow.
From funding to settlement.
Bring the currency, counterparties and destination. We'll map the account, token and control requirements.
Request a demoFund
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