Quantum-Stables technical whitepaper now available.
Speed
Real-time
Messaging standard
ISO 20022
Cryptography
Post-quantum
Operation
24 / 7 / 365
The context
Payments are getting faster. Their security isn't keeping up.
The world is moving to instant, always-on payments and the ISO 20022 standard. But as payment rails modernise for speed, the cryptography underneath them is still the cryptography a quantum computer will break. Faster payments over vulnerable rails simply move risk around more quickly.
Instant means always-on risk
Real-time, 24/7 payments leave no overnight window to catch problems. Security and screening must work in the moment, every time.
Modernising on fragile foundations
Payment rails are being rebuilt for speed and richer data, but on cryptography that won't survive the quantum transition.
Fragmented compliance
Screening and reporting often sit outside the payment flow, adding latency and friction to transactions that are meant to be instant.
Real-time, always-on payments
Move value instantly, 24/7/365, with deterministic finality. No cut-off times, no overnight batch windows — payments clear and settle in the moment.
In-flow compliance screening
Sanctions and AML screening run within the payment flow rather than alongside it, supporting institutions' obligations without sacrificing speed.
ISO 20022 native
Built ISO 20022 native, so richer structured data travels with every payment — improving screening, reconciliation and straight-through processing.
Post-quantum secure rails
Every payment is protected with post-quantum cryptography at the protocol layer, so the rails remain secure through the transition to quantum computing.
Capabilities
What Quantum Payments does.
Real-time payment infrastructure that moves value instantly and securely — with compliance and post-quantum security built into the flow.
Initiate
The originating institution submits an ISO 20022 payment instruction through the Quantum Payments interface.
Secure
The payment is sealed with post-quantum cryptography and transmitted over the secure payment rail.
Screen
Sanctions and AML screening run in-flow against the structured ISO 20022 data, in real time.
Settle
Value settles instantly with deterministic finality, and an immutable record is written for both parties.
How it works
From initiation to instant settlement.
Four stages, all in real time — security and screening happen inside the payment, not after it.
Payment types
Cryptography
Messaging standard
Settlement finality
Compliance
Integration
Deployment
Domestic instant, cross-border, and high-value institutional payments
ML-KEM
ML-DSA
SLH-DSA
NIST-aligned post-quantum algorithms, with crypto-agility for future schemes.
ISO 20022 native (pacs, pain, camt message families supported)
Real-time, deterministic finality, 24/7/365
In-flow sanctions and AML screening against structured ISO 20022 data
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
Technical specification
Built for institutional integration.
Use cases
Where Quantum Payments is deployed.
Domestic
Instant payment schemes
Power national and domestic instant-payment schemes with real-time settlement and post-quantum security from day one.
Cross-border
Cross-border payments
Move value across borders in real time, with richer ISO 20022 data and in-flow screening replacing slow correspondent chains.
Corporate & treasury
B2B & treasury flows
Settle high-value corporate and treasury payments instantly, with deterministic finality and a verifiable audit trail.