EURQ
Euro e-money token
- Tokens in circulation
- €4,302,714
- Reserve ratio
- 100.76%
Reported reserve composition
- Cash
- 33%
- Government bonds
- 66%
Transparency
Know what backsyour digital money.
Liquid reserves. Customer funds kept separate. See the figures and safeguards behind Quantoz digital money.
01 / Reserve snapshot
Supply and backing.
Token by token.
Published snapshot
USDQ
US dollar e-money token
- Tokens in circulation
- $5,684,016
- Reserve ratio
- 101.91%
Reported reserve composition
- Cash
- 33%
- Government bonds
- 66%
02 / Safeguarding
Customer funds.
Kept separate.
Safeguarded for holders
Stichting Quantoz
Reserves backing your digital money
Legally separated
The whole balance is safeguarded. Customer funds are held separately from the issuer's own money.
Electronic money is not a bank deposit. Deposit guarantee schemes do not apply.
03 / Reserve policy
Liquidity first.
Capital preservation.
Established reserve banking
Relationships with
Tier 1 European banks.
Reserve deposits are spread across institutions to manage counterparty concentration and support redemption.
Reserve deposits
Multiple institutionsManaged concentrationRedemption liquidity
Policy limits
Reserves held in the token's reference currency.
At least
30%
Cash
Held in separate bank accounts.
At most
70%
Highly liquid instruments
Secure, low-risk assets such as government bonds.
Euro reserves Dutch & German government bonds Dollar reserves US Treasuries
04 / Oversight
Clear responsibilities.
Defined standards.
Prudential supervision
De Nederlandsche Bank
Quantoz Payments is a licensed Electronic Money Institution. DNB supervision also covers Stichting Quantoz.
MiCAElectronic Money Directive
View the DNB register Information security
ISO 27001
Certified information-security management since 2020.
Financial reporting controls
ISAE 3402 Type 2
Assurance over the operation of relevant controls.
Operational resilience
DORA aligned
Operational design aligned with the EU resilience framework.
05 / Supporting documents
Go deeper.
Follow the evidence.
Your questions
A closer look
at the safeguards.
What happens if Quantoz Payments fails?
Holder reserves are held separately through Stichting Quantoz and protected from claims by other creditors of Quantoz Payments. Safeguarding does not remove every risk; the token whitepapers explain the applicable bank, market and liquidity risks.
Are account balances safeguarded too?
Yes. Quantoz Payments issues both e-money tokens on public blockchains and e-money balances on its internal ledger under the same EMI licence. Both are safeguarded. Tokens are held in compatible wallets; account balances are accessed through Quantoz interfaces. Compare the two forms of digital money.
Do tokens or account balances earn interest?
No. Quantoz e-money tokens and account balances pay no interest or yield. Reserve investments do not give holders an entitlement to their income.
Where can I check a token on the blockchain?
The network register lists the official identifiers with links to their blockchain explorers. Reserve figures and the safeguarding arrangements are published separately on this page.
Redemption at par
Digital money.
Redeemable at face value.
Holders can redeem directly with Quantoz Payments in the token's reference currency. Bank payout follows verification and the applicable processing schedule.