Quantum-Stables technical whitepaper now available.
Settlement
< 1 sec
Messaging standard
ISO 20022
Cryptography
Post-quantum
Availability
100%
The context
Financial messaging was not built for a quantum future.
The systems that move the world's value — correspondent banking, cross-border settlement, interbank messaging — rely on cryptography that a sufficiently capable quantum computer can break. The data being intercepted today can be stored and decrypted later. For institutions, the migration is not optional; it is a question of timing.
Harvest-now, decrypt-later
Encrypted financial traffic captured today can be decrypted once quantum capability matures. Long-lived sensitive data is already at risk.
Legacy rails are slow
Traditional correspondent messaging can take days to settle and reconcile, with limited transparency along the chain.
Standards are fragmenting
As institutions migrate to ISO 20022, messaging and security must converge — not be bolted together after the fact.
Post-quantum secure messaging
Every message is protected with post-quantum cryptography at the protocol layer — not as an add-on. Instructions move between institutions over a channel designed to remain secure through the quantum transition.
Real-time settlement
Messaging and settlement are unified. Value moves with the instruction, settling in under a second — removing the multi-day lag and reconciliation overhead of legacy correspondent rails.
ISO 20022 native
Built on ISO 20022 from the ground up — not translated into it. Richer structured data travels with every payment, improving compliance screening, reconciliation and reporting.
Full auditability
Every message and settlement leaves an immutable, time-stamped record. Supervisors and counterparties can verify the full lifecycle of a transaction without relying on intermediaries.
Capabilities
What HTTPQ does.
A single protocol for moving instructions and value between institutions — secure, standardised, and settlement-aware.
Compose
The sending institution composes an ISO 20022 instruction within its existing systems via the HTTPQ interface.
Secure & send
The message is sealed with post-quantum cryptography and transmitted over the HTTPQ channel directly to the counterparty.
Verify & screen
The receiving institution verifies authenticity and runs compliance screening against the structured ISO 20022 data.
Settle
Value settles in under a second, with an immutable record written for both parties and their supervisors.
How it works
From instruction to settlement.
Four stages, one secure channel — no intermediaries holding the message in the clear.
Messaging standard
Cryptography
Settlement finality
Sub-second, deterministic finality
Integration
Deployment
Availability
Governance
ISO 20022 native (pacs, pain, camt message families supported)
ML-KEM
ML-DSA
SLH-DSA
NIST-aligned post-quantum algorithms, with crypto-agility for future schemes.
REST & gRPC APIs, ISO 20022 adapters, and connectors for core banking and treasury systems
Cloud, on-premise, or hybrid — within the institution's own security perimeter
99.99% target uptime with active-active redundancy
Permissioned access, role-based controls, and full audit logging
Technical specification
Built for institutional integration.
Use cases
Where HTTPQ is deployed.
Cross-border
Correspondent banking
Replace multi-day correspondent chains with direct, secure, real-time settlement between counterparties — with full transparency along the way.
Interbank
High-value payments
Move large-value interbank payments with deterministic finality and post-quantum security, backed by an immutable audit trail.
Market infrastructure
Securities settlement
Coordinate delivery-versus-payment with synchronized messaging and settlement, reducing counterparty and operational risk.