Quant rolls out white-labelled programmable money and banking infrastructure

Quant, a global leader in fintech and innovation, today announces the rollout of Quant Flow, an industry-first programmable money and banking infrastructure now available via a white-label solution to banks, institutions and corporates across Europe, the Middle East, and APAC.
0
Quant Flow was developed in response to the growing demand for smarter forms of commercial bank money and the need to modernise financial infrastructure, driven by rising regulatory pressure and competition from stablecoins, central bank digital currencies (CBDCs), neobanks and fintechs.
Quant Flow delivers automation and intelligence directly into money at the account level. For banks, this means they can respond to market demand, address regulation, innovate with new forms of money and defend profitability - all without the need for costly system overhauls.
For corporates, it enables them to harness programmable money to effortlessly connect to existing banking, business and financial applications. It also offers them the ability to design custom payment flows and automate financial processes to drive growth and eradicate inefficiencies through real-time programmable actions.
'Money today may look digital on the surface, but beneath the apps, most financial systems still rely on decades-old static rails. Quant Flow changes that. It brings intelligence to money itself - turning it into a programmable instrument embedded with code, not spreadsheets. This gives banks fintech-level agility without compromising on resilience, compliance or core stability,' says Gilbert Verdian, CEO and Founder of Quant.
Quant Flow enables banks to:
• Defend their client and market share to differentiate and innovate by offering smarter financial products like dynamic account options, automated money management tools, and custom products and services built around each customer's needs.
• Rapidly test and roll out innovative new banking features quickly using PayScript®, a purpose-built language that makes creating new banking and financial products as easy as a few lines of code.
• Remove friction by automating repetitive tasks such as currency conversions and cash flow adjustments based on real-time data, saving time and reducing risk.
• Automate compliance processes across regions, making it easier to stay on top of changing regulations.
With Quant Flow, banks can also offer their corporate business clients more control and insight over their finances. From smart automation to real-time dashboards, businesses can move from reactive to proactive financial decision-making that drives growth.
Key benefits of programmable money for corporates and businesses include:
• Smarter cash management. They can set programmable rules that automate things like currency conversions, tax payments, or loan repayments as events or triggers - taking advantage of market conditions, saving time and reducing human error.
• Access to live financial data. They can access up-to-the-minute dashboards offering a clear picture of financial health and liquidity, helping CFOs to automate and make better decisions.
• Faster, cheaper global payments. They can automate international transactions - in both traditional currencies and stablecoins - for smoother, faster payments at lower cost.
• Streamlined compliance. They can eliminate manual tasks with rule-based automation for taxes, reconciliation, and reporting.
David Yates, former President of Mastercard, Western Union and First Data and Vocalink Chair says:
'The world is digital—yet money remains stuck in the past. Quant Flow redefines how money works—it's intelligent, automated and efficient. Banks can deliver features that traditional systems can't match, and businesses can transform their financial operations by transforming simple transactions into next-generation workflows. Programmable money is the next generation of finance - and it's here today.'
'Quant Flow marks a fundamental shift in the way we think about money,' concludes Verdian. 'We're not simply adding features, we're creating an intelligent financial operating system fit for the digital economy. For banks, businesses, and the broader industry, this is a move from transactional finance to programmable finance, and it's built to transform.'

Try Our AI Features

Explore what Daily8 AI can do for you:

Learn with AIFact CheckingText to SpeechAI Summary

Related Articles

Daily Mail​

29 minutes ago

• Daily Mail​

Scientists reveal how humans will have superpowers by 2030

By 2030, rapid technological advancements are expected to reshape humanity, unlocking abilities once confined to science fiction—from superhuman strength to enhanced senses. Robotic exoskeletons may soon allow people to lift heavy objects with ease, while AI-powered wearables, such as smart glasses and earbuds, could provide real-time information and immersive augmented reality experiences. Healthcare may be revolutionized by microscopic nanobots capable of repairing tissue and fighting disease from within the bloodstream, potentially extending human lifespans. Developers are also working on contact lenses with infrared vision and devices that allow users to "feel" digital objects, paving the way for entirely new ways to experience the world. Tech pioneers like former Google engineer Ray Kurzweil believe these innovations are early steps toward the merging of humans and machines, with brain-computer interfaces offering direct access to digital intelligence. While many of these breakthroughs are already in progress, others remain in the experimental phase, facing significant technical and ethical challenges, including concerns about privacy and safety. Still, some of these futuristic technologies may become reality within the next five years, with the potential to enhance human strength, cognition, and perception in ways never before possible. Superhuman strength Kurzweil, a self-proclaimed futurist, has claimed that the foundation of human immortality will begin in 2030, with man set to merge with machines by 2045. By 2030, robotic exoskeletons could give human beings super strength, either by enabling feats like lifting huge objects in factories or making soldiers stronger on the battlefield. US-based robotics company Sarcos Robotics has already demonstrated a robotic exoskeleton that has a 'strength gain' ratio of 20-to-one. This means that normal people can carry weights of up to 200 pounds over an extended period of time. The suit took 17 years and $175 million to develop. Other exoskeletons, such as German Bionic's 'Exia' exoskeleton, incorporate AI that learns from the wearer's movement, enabling them to lift huge weights without feeling tired. These exoskeletons are already being used by staff in German hospitals. Super-healing and immortality In five years, humans could have tiny 'nanobots' in their bloodstream to keep them healthy, meaning people could recover rapidly from injury and even from diseases such as cancer. Kurzweil has claimed that by 2029, artificial intelligence will become 'superhuman' and that will allow for more technological breakthroughs to follow rapidly. One of the upcoming breakthroughs, according to Kurzweil, will be the development of microscopic nanobots that operate within the bloodstream, maintaining health without the need for constant medical monitoring. In his latest book, The Singularity Is Nearer, Kurzweil forecasts a dramatic transformation in human life after 2029, with essential goods becoming more affordable and people beginning to merge with machines through technologies like brain-computer interfaces, similar to Elon Musk's Neuralink. He also pointed to recent advances in artificial intelligence, including tools like ChatGPT, as evidence that his 2005 predictions are on track, stating that "the trajectory is clear." Super vision Contact lenses that enable wearers to see huge distances or even to beam computer information directly into their eyes could be on sale by 2030. Scientists in China recently developed contact lenses that allow wearers to see in the dark. The new lenses allow wearers to see infrared light, without requiring bulky night-vision goggles. Professor Tian Xue, at the University of Science and Technology of China, said he hopes his work could inspire scientists to create contact lenses that offer people 'super vision.' Enhanced senses Devices that give humans enhanced senses could be on the market, with research by Ericsson, a Swedish multinational networking and telecommunications company, suggesting that digital wristbands could soon give anyone the ability to 'feel' digital objects. Pioneering 'cyborg' designers have already tested devices that give people superhuman senses. Entrepreneur, transhumanist, and self-described cyborg Liviu Babitz created 'Northsense,' which allowed him to sense when he faces magnetic north. Manel Munoz, founder of the Trans Species Society, implanted two 'fins' on top of his head, which enabled him to 'hear' the weather. The sound is transmitted through his skull by bone conduction. Munoz has said he hears the weather through the 'sound of bubbles.' Knowing everything instantly with digital wearables By 2030, AI-enhanced wearables such as earbuds could enable everyone to plug into 'digital superpowers,' with everyone able to receive answers instantly. Meta is already adding AI to Ray-Ban glasses, and Google is designing an operating system for XR (augmented reality and virtual reality). Computer scientist Louis Rosenberg has said that these abilities will emerge from the convergence of AI, augmented reality, and conversational computing. 'They will be unleashed by context-aware AI agents that are loaded into body-worn devices that see what we see, hear what we hear, experience what we experience, and provide us with enhanced abilities to perceive and interpret our world,' Rosenberg explained. 'I refer to this new technological direction as augmented mentality and I predict that by 2030, a majority of us will live our lives with context-aware AI agents bringing digital superpowers into our daily experiences.'

The Sun

an hour ago

• The Sun

Six ways to find secret sales for high street shops and supermarkets – from email junk trick to price checking tactic

BARGAIN HUNTER From website search tricks to key dates to log in the calendar, you could save hundreds on your shopping with our tips NEED something new but don't want to pay full price? There are lots of tricks for finding little known discounts and offers that are harder to find. 3 HARRIET COOKE reveals how to find secret sales for your favourite high street brands. TREASURE YOUR JUNK Hate all those junk emails from shops flooding your inbox? Don't delete them, they could save you a fortune. The key is to manage them properly. Set up a separate account and use it to sign up to your favourite retailers' email lists. That way your regular inbox won't overflow. Scan through your 'junk' inbox for sales and offers. Tom Church, of money-saving site said: 'I've signed up to over 2,000 retailer email newsletters. 'I can search for 'sale' to see which retailers have launched a new sales event.' Email offers we've spotted include 50 per cent off Clarks shoes and 20 per cent off at on a £50 spend. Sign up for newsletters, as you may be rewarded with exclusive discount codes and "VIP" invites to secret sales. Tu customers can get 10 per cent off, while Argos customers can get a £10 off a £60 spend voucher, if they sign up to newsletters. JOIN THE CLUB Loyalty schemes are a great way of bagging discounts, and many are free to join. Usually, you'll need to sign up by creating an online account and sharing details such as your email address and phone number. Members of the My John Lewis loyalty scheme can get a £5 off e-gift card to use on a £50 spend, as well as a free hot drink and cake voucher to use in store. Act fast, as many deals have a time limit. Halfords' Motoring Club is offering £5 off an MOT and 50 per cent off a Halfords Air Shelter camping tent until tomorrow (June 23). Tesco Clubcard holders get personalised Clubcard coupons in their app or with their receipt. Every 100 Clubcard points gives you £1 to spend in store, or £2 to use with 'reward partners' like Pizza Express and Disney+. GRAB A FLIER Grab an in-store magazine or flyer from your local supermarket. They contain information about discounts and sales. Aldi's leaflet is near the exit and published every two weeks. It lists six items at low prices in each issue. Recent offers include cucumbers for 69p, down from 89p, and a six-pack of apples for 89p, reduced from £1.49. Lidl's fliers are at the exit and reveal "pick of the week" discounts. These include 35 per cent on fresh fruit and veg, limited offers on meat, and multibuy offers on bakery items. Get three apple turnovers for £1.50. Tesco has exclusive offers in its in-store magazine, which you can also access online. These can sometimes be combined with Clubcard prices. This month there's a coupon for £1 off a four pack of Bonne Maman rhubarb yoghurts. They are also reduced from £2.95 to £2 for Clubcard members, so you can bag them for £1. SEARCH LIKE A PRO Use Google to see when a favourite retailer had its sale last year. Plot these dates in your diary - they can act as a rough guide for when this year's sale could launch. For example, if you search "Tu Clothing Sale", select the button 'Tools' and change 'Any Time' to 'Past year', you can work out when the previous sales were. Visit for discounts across shops like Dunelm and Boots. Follow brands on Instagram and TikTok. Many give away discount codes and offers on these platforms that don't appear elsewhere. Sage Appliances are running an Instagram competition to win a Sage Barista Touch Impress coffee machine, for example. BARGAIN WEBSITES Hundreds of discounted designer clothes and homeware items are available at the online marketplace Brands include River Island, Superdry and Asos. We spotted big savings like a £50 Asos party dress on sale for £11.23. also lists goodies from brands like M&S, Zara and H&M for up to 75 per cent off. Amazon Resale sells returned, open-box, or pre-owned products at discounted prices. Customers can save more than 30 per cent. We spotted a used gaming computer mouse for £90.94 which would be £119 if bought new. Ebony Cropper from the advice service Money Wellness, said: 'Prices often drop further on Tuesdays and Thursdays. 'You can sometimes get an extra 20 per cent off during quieter months like February or September.' CHECK PRICES Check an item's price history to see the cheapest it has been sold for. This is a good benchmark to figure out when to buy your shopping. If shops are selling the item at a higher price, it's worth waiting to see if it drops. Use to see what Argos has previously sold products for, and to track Amazon prices. Copy the link to the product page. The Wayback machine, archives screenshots from millions of different websites and can be used to see the previous cost of a product. 'I've saved £100 from shopping on secret site' BARGAIN hunter Emma Bradley has saved more than £100 on designer clothes and jewellery by shopping on a secret sales site. Emma, 49, from Gloucester, uses for big discounts. She's previously bagged a £99 AQ Logo Black Hoodie from Aquascutum for £48, a £55 silver mini skirt from Sosander for £32, and a £60 Swarovski bracelet for £20. Emma, who runs a blogger support and advice service Emma Bradley Coaching, said: "I love sites like Secret Sales. "Many of the lines are from previous seasons but it's great to find key pieces and timeless classics. "It's great for teens who want labels and branded clothes. It keeps the 'bank of mum' happy."

Daily Mail​

2 hours ago

• Daily Mail​

Angela Rayner's workers Bill 'is a wrecking ball for the UK economy' that could wipe out struggling businesses, Tories warn

British businesses have been urged to rise up and fight Angela Rayner 's crippling new labour laws, amid dire warnings of the devastating effects they will wreak on the economy. Conservatives have sent an open letter to company bosses this weekend urging them to speak out against the Deputy Prime Minister's radical plans – or be 'sleepwalked into disaster'. Ms Rayner has been accused of taking a 'wrecking ball to the economy' with her Employment Rights Bill – which has also been dubbed 'the Unemployment Bill' over fears it will deter firms from taking on staff. The proposals, currently being debated in the Lords and due to take effect later this year, will make it more burdensome to employ workers and will leave businesses vulnerable to ruinous strikes. Central to the plans are the repeal of Tory trade union laws which will reduce the threshold for strike action and make union funding of the Labour Party automatic. But it also contains a raft of other measures, including the end of zero-hours contracts, strengthened redundancy rights, more flexible working and the power for ministers to take companies to employment tribunals on behalf of employees even if they do not want to sue. The Bill has led to tensions in the Cabinet, with Chancellor Rachel Reeves trying to dilute the measures as she battles to revive a moribund economy. Asked by The Mail on Sunday this weekend if she was working to limit the economic damage which Ms Rayner's measures are expected to cause, the Chancellor did not deny she was trying to mitigate the effects, saying: 'We talk all the time to businesses.' In the open letter, Shadow Business Secretary Andrew Griffith says he has been moved to act because he is 'genuinely concerned that British businesses are being sleepwalked into disaster' and the Tories cannot oppose it alone In the open letter, Shadow Business Secretary Andrew Griffith says he has been moved to act because he is 'genuinely concerned that British businesses are being sleepwalked into disaster' and the Tories cannot oppose it alone. He writes: 'We need more voices to persuade the Government to listen. The Government's own calculations – which many consider to be an underestimate – say this will cost British businesses £5 billion a year and the economy 50,000 jobs... This is not good for the economy. I know it and every business I speak to around the country knows it. 'I urge you to please share this letter with others, seek advice on the impact of the Bill from your professional advisor and encourage business groups to speak up clearly on your behalf.' Speaking to this newspaper, Mr Griffith said: 'The economy badly needs the growth that only business can create. Yet Labour's Bill for Unemployment is a trade union charter that will increase strikes, slash jobs and raise prices. 'Going back to 1970s-style domination by the unions is the very last thing Britain needs right now and shows just how little this socialist government understands business. Angela Rayner is taking a wrecking ball to the UK economy.' He was echoed by a chorus of leading business figures, including Lord Karan Bilimoria, founder of Cobra beer and UK chairman of the International Chamber of Commerce. He said: 'Making it easier for workers to strike will inevitably increase their number and frequency. This is like the 1970s, and look where that got us. We were called the sick man of Europe. 'We don't want to go back in time. Of course, you want fair employee rights, but there's got to be a balance. If you create the environment this bill is putting us on the path towards, it's going to be very damaging to business and our economy.' He called on the Government to 'think twice' before pushing ahead with the reforms. Luke Johnson, entrepreneur and former chairman of Pizza Express, said: 'At a time when unemployment is rising, the economy is weak and the number of failing businesses is on the increase, introducing a new swathe of burdensome regulations is, to me, little short of madness. 'In the 1970s our country was going broke and we had to go to the International Monetary Fund for a bailout. 'It feels as if we are headed back towards that period. I lived through that time. But a lot of the MPs writing and supporting this bill are too young to remember what it was like. '[Angela Rayner] doesn't even speak the same language as people who work in the private sector. She has no clue what it's like to build a business and have your house on the line if you go broke, or struggling to pay wage bills and bank loan repayments each month. 'She just doesn't care. She only ever talks to people in the public sector, civil servants and trade unionists. But eventually, their ideology is going to collide with reality and unfortunately, they are going to drag the economy into a serious recession.' Alex Veitch, of the British Chambers of Commerce said: 'There remains a high risk of unintended consequences that could limit employment opportunities and economic growth.' And Luiza Gomes, from the British Retail Consortium, said: 'Maintaining a 50 per cent threshold for strikes is important to ensure ballot results legitimately and accurately reflect the consensus amongst workers, rather than the minority view.' A Labour spokesman said: 'The public will see right through the sheer hypocrisy of a party that crashed the economy and family finances now opposing better rights for workers. 'Labour do not think it's fair for workers to be sacked without any good reason or denied sick pay from the first day they are ill. The Tories and Reform need to explain why they do. 'These measures are developed with business, and good for workers and the economy.'