iQSM™ social contract service rights render traditional fractional reserve banking systems irrelevant and power every client's right

to independently direct and personalise their own bank - with no client interest costs, account fees, or product charges on-demand.

-  global

-  reserve banking system

-  world leading technology regulated ecosystem

QSM™ client decentralised multi-line reserve functions render all conventional banking practices and processes as we know them

flawed by design - systemically unstable - and uncompetitive, and employ independent new reserve exchange funding instruments.

IQSM | Global Banking |

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