IQSM Group™ is not a bank, or - an authorised deposit-taking institution, and is not exposed to local interest-rate risk. Global multi-line reserve funding service protocols outperform all local bank and non-bank maturity transformation systems - and lock down new fixed and certain levels - of stable economic growth.

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-  global

-  open financial system

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

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IQSM SmartCore™  group licensed and regulated ecosystem services power - industry defined communities and lock-down sustainable - long-term competitive advantage and unrivalled local - short, medium and long-term economic growth - for all.​​​​

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IQSM SmartCore™ multi-line reserve ecosystem services are designed to operate independently, of central and commercial banking and financial systems and unconditionally secure - all community-yield-optimised - client - service rights on-demand.

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They eliminate local market dependence on traditional central and commercial banking systems and render all local banking system maturity transformation, fractional reserve and spread funding systems - design limited & systemically uncompetitive.

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IQSM SmartCore™ global - supply and value chain - services function in math-regulated equilibrium and bond interoperable local and global - capital and yield based reserve line creation services with unrivalled new capabilities - that were previously unimagined in scale, scope, and performance - outperforming all local - money, banking, finance & financial service systems.