IQSM SmartCore™  client-directed - reserve account services lock-down all - local and stateless funding mandate rights and ecosystem enhanced yield services & render all - local market central, commercial & shadow banking systems uncompetitive.

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-  global

-  account abstraction system

-  world leading technology secured ecosystem

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Client-programmable local yield-paying base money accounts are available at call, can't be on-loaned and are 320% reserve secured without limit. They radically outperform - all - local call and term deposit systems and democratise every client's right to create their own personalised financial services on-demand.