IQSM SmartCore™ automates dynamic reserve line allocation protocols via client monetary unit entitlements and funding line right of use functions and renders all full and fractional reserve banking and all maturity transformation systems uncompetitive.

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Unrivalled

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Highly profitable from day one of operation with multiple layers of diversified profit sharing lines we unify client and community derived value and wealth creation capabilities, and outperform all - banking industry - profit measures exceeding best in class ROTA benchmarks, by 12.5:1 - on a short and long-term basis.

 

Bankable Local and Global Assets

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IQSM SmartCore™ technologies disrupt all traditional money, banking and finance systems - provisioning an intelligent new generation, of tokenized monetary system deposit units - that  compound in value - at an unrivalled rate - and autonomously pass-through value - to secure and create a potent new class of Tier-1 equity & multi-line reserve secured, bankable assets.

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Tokenized Digitally Twinned Deposits

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Local deposit lines are held by, licensed and regulated deposit insured banking entities. They compound in local cash-backed reserve line value at an unrivalled math-regulated accrual rate fully independent of any re-investment or interest rate risk and provide a secure & sustainable new long-term source of virtual risk free inflation-protected and capital yield enhanced deposit flows, without asset/liability management - constraints or risks.

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Math-Regulated Current & Future-State Reserves

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No - central or commercial - full or fractional - reserve banking system can match the - math-regulated - 320% - Tier-1 capital rated real-time capital advance reserving standards, direct full reserve financial claim rights, bankable-asset audit processes, or five year, forward-horizon secured - net stable funding ratio. 

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Intelligent End-to-End Automation at Global Scale

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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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Sustainable Short, Medium and Long-Term Outperformance

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IQSM SmartCore™ secures unrivalled reserve accounts - and localised base money drawing rights with no foreign exchange transfer exposure. Current and future-state - monetary service unit yields are pre-positioned by cash reserves that compound in capital value, by a - fixed and certain - multiplier of 10:1 YoY.

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IQSM SmartCore™  client-localised reserve account protocols lock-down unrivalled new local-client-account-directed reserve funding and lending services and credit derived yield protocols and render bank and non-bank, interest rated deposit systems uncompetitive - unsound by design and systemically irrelevant​​​​​​