iQSM™ perpetual reserve funding protocols​ render all current - employer funded - employee benefit systems - uncompetitive - and

power fixed net zero rate principal repayment only home loan and fully funded yield offset health insurance plans with no cycle limit.

-  global

-  smart benefits system

-  world leading technology secured ecosystem

iQSM™ powers​​ perpetual reserve funding for full-client-life-cycle social and economic contract regulated individual, SME and large scale benefit plans from one to an unlimited number of employees - and secures unrivalled portable forward-looking benefit options.

IQSM | Smart Benefits |