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What Quantoz does, explained

Accounts & stablecoins.One regulated platform.

Collect and move money through bank-connected accounts. Issue stablecoins directly to wallets. Redeem them with Quantoz, the regulated issuer.

See how it works Find your solution
A bank connects through Quantoz to two distinct destinations: an account and a wallet holding euro and dollar tokens.
Bank moneyYour accountTokens in your wallet

01 / Follow the money

One issuer.
A direct way in and out.

Fund your Quantoz account. Pay from the balance, or instruct issuance to a blockchain wallet you control.

Bank money. Account balance. Tokens.Connected through Quantoz
Banking rails
Your bankSEPA or SWIFT
Fund
Withdraw
Issue
Redeem
Public network
Your blockchain walletA verified address you control
At par, both waysFace value in the token's own currency
1 EURQ = €11 USDQ = $1

European banking relationships behind the reserves.

Reserve deposits are spread across multiple Tier 1 European banks to support Quantoz's redemption arrangements.

See the reserve policy
Reserve deposits
Multiple Tier 1 European banks

Direct issuance needs no exchange purchase. Redeem at par, at any time. Currency conversion is separate; direct redemption requires verification and bank payout follows processing times.

DNB-supervised issuerQuantoz Payments, an Electronic Money Institution
Safeguarded fundsHeld separately from company assets

02 / Choose the route

Who receives
the money?

The recipient determines the route: another Quantoz account holder, or a compatible blockchain wallet.

On a public network

Pay a compatible wallet

Supported token & network
Your wallet
Their wallet
Seconds, 24/7Subject to network confirmation
Compatible walletsSame token and network
Public verificationNetwork fees apply
Explore tokens & networks

Use the account alone, or issue tokens when the payment needs a public network. Service fees depend on the route; bank payout is a separate step.

Compare the two forms

03 / Find your solution

Put regulated money
to work.

Payments & collections

Your revenue
Your account

Collect, pay, convert and refund through one account.

Explore payments & collections

Cross-border transfers

You send
They receive

Connect bank funding to a recipient's wallet across borders.

Explore cross-border transfers

Token issuance & liquidity

Quantoz issues
You hold

New stablecoins, issued directly to a wallet you control.

Explore direct issuance

Tokenised asset settlement

Asset
Regulated money

The venue links asset delivery and payment on the same network.

Explore linked settlement

Trade & supply chain finance

Business or funder
Supplier

Move supplier payments and settle commercial flows. Quantoz supplies the money services, not the financing.

Explore trade flows

Agentic payments

Your agent
Paid service

Let an agent pay for services on behalf of its owner, within the owner's controls.

Explore agentic payments

04 / Get connected

Choose your front door.
Reach the same platform.

Operate an account directly, connect your business systems, or bring regulated money services into your own product.

Individuals & small businesses

App & web portal

Access your Quantoz account. A blockchain wallet for tokens is separate.

Explore Quantoz Wallet
Businesses & institutions

Portal & API

Operate payments and treasury from a browser or your own systems.

Explore portal & API
Fintechs & payment platforms

Your own product

You build the customer experience. Quantoz provides the regulated money services.

Explore partnerships
QuantozRegulated money services
  • Accounts
  • Payments
  • Issuance & redemption

Every customer has their own verified Quantoz account. Services and limits follow the account and agreement.

From first look to live money

Start exploring
  1. Explore & testUnderstand the flow
  2. Verify & agreeIdentity, services & terms
  3. Go liveActivate the agreed flow

05 / Go deeper

Clear answers.
The detail when you need it.

What is the difference between account money and stablecoins?

Your Quantoz account holds electronic money. Quantoz stablecoins are electronic money tokens on public blockchains: a type of crypto-asset under MiCA, also treated as electronic money. Both are issued against funds received. Explore the tokens.

Is this a bank account, and how is the money protected?

It is an e-money account, not a bank deposit. Deposit guarantee schemes do not apply. Customer funds are safeguarded separately from Quantoz's own assets. Quantoz Payments is an Electronic Money Institution supervised by DNB. Safeguarding explained.

Do I need a blockchain wallet or an exchange?

Not for payments between Quantoz accounts. To receive on-chain tokens, you need a compatible blockchain wallet. Direct issuance uses a verified address you control and requires no exchange purchase. How issuance works.

How do tokens become bank money again?

Redeem with Quantoz at face value in the token's own currency: 1 EURQ = €1; 1 USDQ = $1. The redemption right applies at any time. Direct redemption requires verification; bank payout follows processing times. Currency conversion is separate. Redemption details.

What does it cost?

Pricing follows your money flow: collection fees, fixed charges for individual minting, and annual or volume-based arrangements for network liquidity. Embedded partnerships have agreed commercial terms. Issuer redemption is at par without a redemption fee; conversion, banking and network charges can apply separately. Explore our pricing models.

Which currencies and networks can I use?

Support differs by token, network, account and access method. Confirm the combination needed for your payment flow. View tokens and network identifiers.

Does holding the money earn interest?

No. Holding Quantoz e-money or its tokens does not earn interest. Any separate investment has its own returns, risks and terms.

Start with your money flow

Let's map
your next move.

Bring the currency, who pays whom, and where the money needs to arrive.

Talk to Quantoz
Currency
Counterparties
Destination
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