IQSM SmartCore™ reserve account service protocols - create an unrivalled new class of multi-line reserve secured bankable assets and secure zero marginal cost efficiency, liquidity, yield attribution and security - across an account-centric ecosystem​.

 

Unrivalled 

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IQSM SmartCore™ service line protocols secure and lock-down local and global - fixed total supply - mortgage line issuance and multi-line reserve deposit creation in equilibrium - with absolutely no need for any intermediated form of local deposit-taking inputs.

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They automate - dynamic - new levels, of stable and sustainable capital allocation and lock-down fixed and certain short, medium and long-term tokenised deposit creation lines fully independent of the BIS imposed risks, of fractional reserved capital allocation.​

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Tokenized Deposits

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Deposit lines are held by local licensed and regulated, deposit insured banking entities. They compound in local cash-backed reserve line value at an unrivalled math-regulated accrual rate that is independent of local re-investment - or interest rate risk and provide a secure & unrivalled source of regenerative zero cost long-term deposits without asset/liability constraint or risk.

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Inflation Protected Currency Lines

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With 10:1, not 1:1 direct cash-backing across each underlying currency line, they conform to 'current-asset' based US GAAP and IFRS accounting guidelines as on-demand liquid deposits held by local - licensed and regulated deposit-insured banking entities but compounding in localised cash-backed reserve line value at an unrivalled rate without investment risk or exposure.​​

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Intelligent Network Automation at Scale

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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​​​​​​