Quantoz Payments (EURQ/USDQ)
Quantoz Payments is a Dutch e-money institution that issues regulated stablecoins. Its tokens track the euro, the US dollar, the Polish zloty and the British pound, each backed one to one by fiat reserves plus a small buffer. The Dutch central bank supervises the company under the EU's MiCA rules. The tokens run on Ethereum, Algorand and several other chains.
A Dutch-regulated multi-currency e-money token issuer, among the first licensed under MiCA. Cleanly run and fully reserved, but a centralized, fiat-defined model with early traction.
M69 Score
Scored against the Money2069 Manifesto — see methodology. Higher = more aligned.
Detailed Rating Breakdown
Issuance Model3x3.0
A single licensed issuer mints the tokens, so issuance is fully permissioned. Supply is debt-free, backed one to one by reserves, and expands and contracts through mint and redemption.
Spending Power Stability2x2.0
Hard pegs to single fiat currencies maintained by full-reserve redemption. Pegs have held since the late-2024 launch, but the tokens inherit the purchasing-power drift of the currencies they track.
Fiat Independence & Interoperability2x1.0
Fully fiat: pegged units of account, reserves held entirely in fiat plus a 2 percent buffer, and complete dependence on banking rails and an e-money license.
Traction2x2.0
Live since November 2024 with listings on Kraken and Bitfinex, five licensed tokens, and deployments on six chains. Circulation and adoption remain early-stage.
Sovereignty1.0
One Dutch company controls issuance, holds the reserves, and operates under a single license. Tokens carry standard e-money-token freeze capabilities.
Governance2.0
Corporate governance under Dutch central bank supervision. MiCA imposes transparency and reserve rules, but holders have no say in decisions.
Resilience2.0
A young issuer with no crisis history. Backing from Tether, Kraken and Fabric Ventures and MiCA wind-down protections help, but everything depends on one regulated entity.
Inclusivity2.0
Direct issuance and redemption require KYC through regulated intermediaries, and the focus is European markets. Tokens transfer freely on public chains once issued.