RESERVE ACCOUNTS
IQSM SmartCore™ automates dynamic new capital allocation protocols via client monetary unit entitlements and funding line rights of use and functions on a licensed banking partner basis with no reliance on deposits or interest rated funding protocols.
Unrivalled
Multi-line reserve client account services render all central and commercial full and fractional reserve banking systems and all maturity transformation and all private and investment banking asset & wealth management business models - uncompetitive.
We are proud to have created what we consider to be the holy grail of mortgage finance, empowering housing affordability on an ecosystem scale, and enabling unrivalled financial services that function seamlessly, across localised markets on-demand.
Global Value Chain System
IQSM SmartCore™ localised client reserve account protocols lock-down unrivalled new local client-directed reserve account funding line lending services and credit derived yield protocols that render traditional interest-based banking business models uncompetitive - unsound by design and systemically irrelevant.
Simplified Business Model
Highly profitable from day one of operation with multiple layers of diversified profit sharing lines we unify client and ecosystem current and new 'future-state' based value and wealth creation capabilities; outperforming local & global best-in-class banking industry 2.00-2.50% ROTA - and investment bank lending and underwriting - gross fee - revenue benchmarks, by a minimum local and global, math-regulated form factor multiple of 12.5:1.
Multi-Line Reserve System
IQSM SmartCore™ synchronised form factor protocols enable traditional money, banking, and finance products and services and empower an intelligent new generation, of tokenized local (BMU) and global (GCU) secured yield enhanced control units.
Local and global monetary service units - compound in capital value at an unrivalled daily form factor rate and autonomously pass-through line values & rights of use, to create and secure a potent new class of client service lines and bankable assets.
Multi-Line Account Synchronisation
Local deposit lines are held by, licensed and regulated deposit insured banking entities. They compound in local cash-backed reserve line value at an unrivalled math-regulated accrual rate fully independent of any re-investment or interest rate risk and provide a secure & sustainable new long-term source of virtual risk free inflation-protected and capital yield enhanced deposit flows, without asset/liability management - constraints or risks.
Intelligent Math-Regulated Services
No- central or commercial - full or fractional - reserve banking system can match the - math-regulated - 320% - Tier-1 capital rated capital advance reserving standards, direct real-time full reserve financial claim rights, bankable-asset audit processes, or five year, forward-horizon secured - net stable funding ratio.
IQSM SmartCore™ re-defines the foundations and soundness of - all - banking, finance and asset management systems and reserve exchange functions worldwide and renders all interest rate referenced - credit and deposit creation systems unsound.
Systemically Sustainable Long Term Competitive Advantage
IQSM SmartCore™ secures unrivalled reserve accounts - and localised base money drawing rights with no foreign exchange transfer exposure. Current and future-state - monetary service unit yields are pre-positioned by cash reserves that compound in capital value, by a - fixed and certain - multiplier of 10:1 YoY.
