GLOBAL OPEN BANKING SYSTEM
IQSM AiON™ automates dynamic - multi-line capital allocation protocols via client monetary unit entitlements and funding line rights of use and functions on a client account to account basis with no reliance on third-party deposit based funding protocols.
Unrivalled
Multi-line reserve funding service rights render all - central and commercial full and fractional reserve banking systems and all maturity transformation and all private and investment banking asset & wealth management business models - uncompetitive.
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 new ecosystem based solutions
that do not take deposits/funds on interest nor lend on interest.
Banking as a Service
IQSM SmartCore™ client-localised reserve account protocols lock-down unrivalled new local client-directed reserve account funding line lending services and credit derived yield protocols that render bank and non-bank interest-rated business models uncompetitive - unsound by design and systemically irrelevant.
Simplified Business Model
Highly profitable from day one of operation with multiple layers of diversified profit sharing lines we unify client and ecosystem current and new 'future-state' based value and wealth creation capabilities; outperforming local & global best-in-class banking industry 2.00-2.50% ROTA - and investment bank lending and underwriting - gross fee - revenue benchmarks, by a minimum math-regulated form factor multiple of 12.5:1 in perpetuity.
Global Form Factor System
IQSM AiON™ form factor protocols (patents pending) - enable traditional money, banking, and finance products and systems and empower an intelligent new generation, of tokenized local (BMU) and global (GCU) based - banking service control units.
Local and global monetary service units - compound in capital value at an unrivalled daily form factor rate and autonomously pass-through line values & rights of use, to create and secure a potent new class (patents pending) of client bankable assets.
Continuum Tokenized Reserve Lines
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.
Intelligent Math-Regulated Service Protocols
No - central or commercial - full or fractional - reserve banking system can match the - math-regulated - 320% - Tier-1 capital rated capital advance reserving standards, direct real-time full reserve financial claim rights, bankable-asset audit processes, or five year, forward-horizon secured - net stable funding ratio.
IQSM SmartCore™ re-defines the foundations and soundness of - all - banking, finance and asset management systems and reserve exchange functions worldwide and renders all interest rate referenced - credit and deposit creation systems unsound.
Systemically Sustainable Long Term Competitive Advantage
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.
