FINANCIAL TECHNOLOGY
Decroix Group sovereign equity capital funding services power an unrivalled new generation of local - principal only mortgage products world-wide changing forever how local monetary and financial systems empower credit, deposit, and value creation.
Unrivalled
IQSM GSCI™ powers the world's first truly democratised, and affordable global housing finance system empowered by local yield-optimised PO-40 mortgage finance & refinance products.
Decroix Group provisions - a proprietary new treasury funding capability to refinance - residential and commercial real estate assets with unrivalled new, interest-free financing instruments.
Intelligent by Design
The IQSM GSCi™ powered global digital sovereign system is not a single centralised entity - but a new interoperable global sovereign service framework of common rules-based policies.
The capital service infrastructure framework has evolved from a single to a multi-sovereign system for yield-optimized digital banking and finance lines - on a global reference model basis.
It enables states, organisations and individuals to control their digital social and economic destinies, without - intermediation.
From 1st July 2026 - we will witness the largest wealth control transfer in human history as P&I and IO mortgages and rental service costs are converted into PO-40 mortgage line savings.
All treasury reserve enabled sovereign yields are derived and allocated via deterministic capital flows - not by re-investment.
While the networking infrastructure is physical the system that secures the integrated - sovereign-layer service rights system and programmable - value-chain structure, is defined as code.
IQSM GSCi™ progressively matches and transfers real estate equity equivalent capital value, into local economies - via local sovereign - equity capital - secured deposits empowering new levels of consumer savings, spending, and standards of living.
Beyond all Local Market Banking & Finance Business Models
IQSM GSCi™ global sovereign capital indexed - reserve lines continuously map systemic capacity for economic participants functioning as, interoperable - global sovereign payments and settlement - service layers on new multi-currency service rails.
IQSM GSCi™ automates multi-currency stablecoin equivalent functionality through a sovereign-equity-indexed current-asset deposit class system bonded & anchored via an interoperable global series of local master reserve account bankable assets.
Sovereign reserve digital cash service units act as a stable 1:1 digital twin of local sovereign-nation treasury reserve accounts.
They act as a digital unit of account, medium of exchange and store of value - automating all, treasury management, reserve exchange & unit routing controls, on a global ecosystem scale.
Programmable - Sovereign Money - Yield and Value Creation
IQSM GSCi™ uses a proprietary new techno-economic model, in which globally structured - local product - market-fit services combine with math-regulated sovereign localised equity capital flows creating a potent new, automated-decisioning framework.
IQSM GSCi™ regulated sovereign macro-economic outcomes eg (credit expansion, reserve accumulation, asset stabilisation liquidity availability, yield optimisation, income service offsets, and capital productivity) are produced, by - deterministic input-output capital functions that guarantee defined-state transition and sovereign social and economic impact growth across time.
IQSM GSCI™ local mortgage-yield-optimised, funding service protocols support - homeowners (via disposable income uplift), sovereigns (via automated debt offset), investors (via inflation-protected yields), and rights-of-use (via compounding liquidity).
