Decroix Group™ is not a bank or an authorised deposit-taking institution. It's business model, eliminates - interest-rate based costs and risks, and automates unrivalled new math-regulated levels of local current and future-state - growth and profitability across a rolling forward-looking 60 month horizon in perpetuity.

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-  global

-  open financial system

-  world leading technology secured ecosystem​​​​​​

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Currently HQ'ed in the UK - with distribution licensed on a global scale our - AiON-powered - mechanism design processes create unrivalled new - financial ecosystem regulated and democratised financial assets, markets, products, and communities and secure sustainable short, medium, and long term competitive advantage.​​

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Global reserve currency services lock-down - a fixed zero rate USD conversion premium protocol - for GCU localised funding line exchange services, and enable atomic reserve exchanges and localised open market capabilities - at hyper-scaled levels.​

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IQSM™ multi-line reserve powered funding mandate protocols operate independently of all local central and commercial bank value creation systems, and - unconditionally - secure all, local yield-optimised client funding service rights of use, on-demand.​

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They eliminate all dependence, on traditional central bank and commercial banking systems, and render all local interest-rate based - maturity transformation, fractional reserve and funding line systems limited by design, and systemically uncompetitive.​​​​​

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Exponential Growth and Returns

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IQSM SmartCore™ open market base money units compound in base-line equity value, month on month - (MoM) - by a fixed rolling form factor constant rated at 10.24:1 YoY - and power a new generation of localised lending and yield-service products.​

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100% LPV PO loans have a maximum - initial - loan exposure ratio to property and yield-provisioned reserve asset collateral of 25.00% and 0.00% exposure by month 120 with no deposit, interest or service costs other than, local principal repayments.

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IQSM SmartCore™ multi-line reserve value creation protocols generate unrivalled new, fixed and certain 320% loan to credit advance based collateral reserve assets and returns in lieu of traditional bank and non-bank interest-rate based margins and radically outperform all banking industry profitability measures.​​​​​​

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IQSM SmartCore™  has an unrivalled math-regulated funding service capacity and capability to refinance, release and yield-enhance - all - current and future-state stores of value, locked down in global residential and commercial real estate markets.