FINANCIAL TECHNOLOGY
IQSM SmartCore™ is a game-changing new global stablecoin service protocol - that will revolutionise all financial services as we know them today, powering - localised - access to a potent new radically simplified and highly differentiated alternative, to traditional financial service systems and products for all clients.
Tech for Good
IQSM™ funding line services radically exceed all - central and commercial banking industry capabilities and power new value chain optimisation processes, that simply - cannot be matched.
They are a simple multi-line reserve representation of a secure and non-speculative equity line bonded funding control system and empower a generic ecosystem based business model that eliminates the use of "loan interest" or "riba" in - all - traditional and Islamic banking, finance, and asset management markets.
IQSM™ regional master license services, are reserve account activated and provisioned, via locally regulated - credit service providers and are currently restricted to - Qualified, Accredited and Institutional investors and member firms only in select US,
AU, UK, EEA & UAE markets from 1 Jan 2024 until 1 Jul 2025.
IQSM SmartCore™ re-defines the foundations and soundness of - all - banking, finance and asset management systems and renders all - local underlying - interest-rate-referenced - credit, deposit & value creation systems - systemically uncompetitive.
Mechanism Design
The BMU and GCU empowered monetary service unit system is self-regulating, supra-sovereign & globally consistent. Each market benefits locally but the systems stability and growth are immune to the weaknesses of any single market or jurisdiction,
In the context of our capital flow regulated - service operations mechanism design refers to the deliberate structuring of global system rules and capital flow incentives that guarantee optimal outcomes for all global network registered participants, without requiring - centralised control or discretionary decision-making.
At the heart of this is our 1:1 BMU-GCU monetary reserve unit protocol that serves as the foundational unit of capital services, origination and perpetual reserve powered - funding mandates.
Each unit initiates multi-line, diversified, risk-distributed lending and reserve creation with zero marginal cost eliminating all the inefficiencies and risks of legacy finance - as we know it, today.
Through this design, incentives ailgn across pre-funded capital flows - securing stability, systemic integrity & predictable future yield guarantees - with no tax, subsidy or interest rate reliance.
The protocol drives monetization, purely through asset-backed flow and structural equilibrium, empowering real world fairness, scale, inclusion and adaptability across diversified jurisdictions.
Global Value Chain Protocol
The global residential real estate market (with mainland China excluded) is the worlds largest & most stable investment asset class and it can now be loan equity prefunded and value chain empowered on a forward looking zero marginal cost mortgage basis without deposit, co-ownership or property equity sharing.
During the next 2 to 5 years, we will witness the biggest wealth control transfer in history, as local real estate asset control and matched underlying equity rights shift, from the balance sheets of traditional lenders & securitisation providers back to owners.
IQSM SmartCore™ PO-40 fixed zero interest rate funding line protocols will disrupt interest-bearing mortgage systems world wide changing forever - how local mortgages are secured and pre-funded and - how multi-line reserve asset based valuation metrics are applied, for residential and commercial real estate.
IQSM SmartCore™ leverages unrivalled equity line exchange capabilities across - GCU indexed - liquidity pools, secured by both current and future-state, reserve interchange rights - and bankruptcy-remote multi-line reserve secured PO based flows.
Network Automation
IQSM™ powers a regenerative Ai-driven value chain automation layer, enabling realtime local & global decision-making, adaptive monetary control, and new multi-line reserve secured end-to-end end - financial protocol execution. It synchronises intelligent new math regulated financial service control frameworks that operate autonomously, securely, and efficiently across all markets and all user tiers, without need for human, agentic or API intermediation.
