IQSM SmartCore™ global multi-line reserve - funding services secure and democratise every individual client's right to create and independently direct their own client personalised banking and finance products, and - yield-optimised - service functions.

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- global

- community banking system

- world leading technology secured ecosystem​​​​

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IQSM SmartCore™ automates client base money entitlements and funding line right of use functions and renders all - full and fractional - reserve banking systems and all traditional maturity transformation systems unsound & systemically uncompetitive.​​​​​​​

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IQSM SmartCore™  redefines the foundations and soundness of - all - banking, finance and asset management systems and value exchange services worldwide. It eliminates real to digital asset structuring and intermediation costs rendering bank and non-bank - interest-rate-referenced - credit, deposit, and value creation - systems flawed by design and systemically obsolete.​​

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No local or global - central or commercial banking governance system, can match the - math-regulated - 3.2:1 - Tier-1 capital rated real-time capital advance reserving standards, direct full reserve financial claim rights, bankable-asset audit processes, or 320% 5 yr forward horizon defined - net stable funding ratio.

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All multi-line funding service units are unconditionally secured through direct reserve lines to - local - title-chained real estate and collateral reserve assets and outperform - all - centralised and decentralised currency based staking and deposit returns and all local and global - capital market securitisation systems.