IQSM SmartCore™ virtualisation service protocols automate a dramatically simplified and highly differentiated virtual-risk-free alternative to current banking, monetary and financial systems for all ecosystem registered - KYC and AML approved - clients​​​​​​​​​​​​​​​​​​​​​​​

with an unrivalled 'digital twinned' service capability to operate concurrently in TradFi and stateless DeFi modes - on-demand.

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Unrivalled

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We are proud to have created what we consider to be the holy grail of local money, banking, finance and payments - at global scale provisioning unrivalled - trust-chained - financial services

that do not take deposits/funds on interest nor lend on interest.

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Global Form Factor System

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IQSM SmartCore™ - unconditionally - locks-down transparent physical and digital asset audit, security and privacy rights and was network-designed & structured to - move, store, and issue personalised reserve line assets, that cannot be re-used within re-staking, re-lending or re-hypothecation protocols in any way.

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Highly Simplified - Defensible and Differentiated

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IQSM SmartCore™ network technologies secure an intelligent new financial service system, and real asset aligned monetary service unit powered - money, banking, finance, payment, and value creation services, synchronised with client-personalised reserve account service protocols on a global ecosystem level.​​​

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IQSM SmartCore™ secured service lines disrupt all traditional money, banking, finance and payment systems, and automate an intelligent new generation of continuum tokenized local and global monetary system service units with unrivalled liquidity & yield enhancement rights within an account-centric ecosystem.

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Sustainable Long Term Competitive Advantage  ​

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IQSM SmartCore™ multi-line reserve secured account service rights, exceed all - central banking system and BIS formulated industry benchmarks for local financial system soundness and profitability and secure investment yield-optimised returns that can't be matched by any conventional financial service system.

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Intelligent Global End-to-End Ecosystem Automation

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IQSM SmartCore™ re-defines the foundations and soundness of - all - banking, finance and asset management systems and automates exchange functions, worldwide - eliminating all FX, real to  digital asset structuring and intermediation costs - and renders all bank & non-bank - interest-rate-referenced - credit, deposit & value creation systems - systemically uncompetitive.

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Global Value Chain Regulated Swap Line System ​

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IQSM SmartCore™ leverages unrivalled new global swap line capabilities across GCU indexed liquidity pools fully backed by both current and future-state reserve line exchange rights and bankruptcy-remote - SPV regulated, reserve linked cash flows.

 

Powered by compounding daily mortgage capital flows with no loan repayment exchange risk the reserve exchange system is based on the monetary service model and hegenomic stability theory espoused by Charles Kindleburger, some 50 years ago,

but differs, in that it replaces singular - nation-state hegemonic control with continuum tokenized reserve line exchange rights.