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Cross-border transfers

Fund locally.Receive globally.

Low-cost cross-border payments using regulated stablecoins, with wallet transfers or local-currency payout through a receiving bank.

See how it works Explore the wallet
The Quantoz Q and a globe form one shared centre between a bank and a wallet holding euro and dollar stablecoins. Arrows in both directions show issuance and redemption through Quantoz.

01 / Wallet transfers

From your bank.
To their wallet.

Fund your account in euros and receive tokens in your own connected wallet. You then control the onward blockchain transfer.

01 / Fund 04 / Receive In seconds, 24/7
  1. 01 / Fund

    Your bank

    Send euros to your Quantoz account over SEPA.

  2. 02 / Convert & issue

    Quantoz account

    Convert if needed. New stablecoins are issued directly to your connected wallet.

  3. 03 / Send

    Your blockchain wallet

    You control the tokens and send them to the recipient.

  4. 04 / Receive

    Recipient's wallet

    Ready to hold or send on a compatible network.

With an active account and a verified wallet address. Timing depends on your funding method and network confirmation.

No exchange purchase. Stablecoins come directly from Quantoz.

No Quantoz account needed for the recipient to receive tokens.

Need local currency? The recipient can use an available exchange or payout provider, with its own fees and timing.

How direct issuance works

02 / Receive from abroad

Receive stablecoins.
Withdraw euros.

Money arriving from abroad can come back to your bank. Redeem Quantoz tokens directly with the issuer.

A direct route back to your bankWallet Quantoz Bank
  1. 01 / Return tokens

    Your blockchain wallet

    Send received Quantoz tokens to Quantoz for redemption.

  2. 02 / Redeem

    Directly with Quantoz

    Redeem at face value. Convert to euros if needed.

  3. 03 / Withdraw

    Your bank account

    Euros arrive over SEPA in a verified bank account in your name.

Redeemed at face valueIn the token's own currency
1 EURQ=€1
1 USDQ=$1

Dollar-to-euro conversion is separate. You have a right to redeem at any time; bank payout follows verification and processing.

A direct claim on Quantoz, the issuer of your tokens.

How redemption works

03 / Cost & timing

See the rate.
Know what you receive.

See your conversion rate and the stablecoin amount before you confirm.

Your conversion, explained
  1. Euros in
    You choose

    Amount & currency

  2. Review your conversion
    You review

    Rate & token amount

  3. Stablecoins out
    You confirm

    Conversion & issuance

Exchange rate fixed when you instruct the conversion.

When the money arrives
Your bank
Their wallet
In seconds, 24/7

01 / Fund through 04 / Receive

Depends on funding method and network confirmation.

If bank money is needed next

Wallet
Bank payout

A separate step, with the issuer's or payout provider's checks and processing times.

Three costs to consider

Quantoz
Applicable service & conversion charges
Blockchain network
Fees for sending tokens
Recipient's provider
Exchange or local payout, if used

04 / Use it your way

Your money.
Your way to move it.

For individuals

Hold digital money.
Redeem to your bank.

Fund your Quantoz account and transfer to another Quantoz account, or have tokens issued to your connected wallet. You control any onward blockchain transfer from that wallet.

Quantoz Wallet appOpen · Fund · Convert · Connect
Explore Quantoz Wallet
For small businesses

Pay suppliers.
Receive from abroad.

Manage occasional international payments through the web portal or your own systems.

Web portal & APIYour account, in your workflow
Discuss your transfers
For partners

Put the service
in your product.

Cross-border settlement for licensed payment and remittance providers.

Embedded accountsYour product, powered by Quantoz
Explore partnerships

05 / Direct bank settlement

Euros in.
Local currency out.

Quantoz issues EURQ directly to an onboarded receiving bank, which pays the recipient in local currency. The sending bank needs no EURQ wallet or onward token transfer.

A sending business pays its bank using CBMT. The sending bank funds Stichting Quantoz Payments in euros. The Stichting instructs Quantoz to issue EURQ directly to the onboarded receiving bank, which pays the recipient in local currency. The sending bank needs no EURQ wallet.
Scroll sideways to explore the full flow
Discuss your settlement flow

06 / Why Quantoz

Move with confidence.
Know who stands behind it.

A regulated issuer

Quantoz Payments is an Electronic Money Institution supervised by De Nederlandsche Bank.

About Quantoz

Safeguarded funds

Funds received for e-money are held separately from Quantoz's own assets.

See the reserves

Direct redemption

Redeem Quantoz tokens at face value, directly with the institution that issued them.

Redemption explained

Before your first transfer.

What do I need to get started with the wallet route?

Open and verify a Quantoz account, then connect and verify a blockchain address you control. Fund your account in euros over SEPA. Individuals use the Quantoz Wallet app; businesses use the web portal. Account availability depends on eligibility and verification.

Explore the account
Is the Quantoz Wallet my blockchain wallet?

The Quantoz Wallet app accesses your regulated e-money account. Issued tokens are held in a separate blockchain wallet you control, either self-hosted or with a custodian. You instruct the onward transfer from that wallet.

How the account and wallet connect
Does the recipient need a Quantoz account or a bank account?

For wallet transfers, a compatible blockchain wallet is enough to receive tokens. To turn them into bank money, the recipient needs access to an eligible redemption, exchange or payout service. Direct redemption with Quantoz requires verification and a bank account in the holder's name.

Which currencies, networks and destinations can I use?

For wallet transfers, both wallets must support the same token on the same network. Available currencies and networks differ by service. Receiving tokens does not guarantee account eligibility or access to local-currency payout in a particular country.

Tokens & supported networks Check your route
Do I need a crypto exchange?

For the wallet route, no exchange purchase is needed: Quantoz issues new tokens directly to your connected wallet. Quantoz redeems its own tokens. Exchanging other crypto-assets requires an appropriately authorised provider.

Can I send directly to another Quantoz account?

Yes. Use the recipient's account code for transfers that settle within the Quantoz platform in under a second, 24/7. This is separate from public blockchain transfers and bank withdrawals.

Compare the payment routes

Move with Quantoz

Where does your money
need to go?

Explore Quantoz Wallet Talk to our team
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