Quantum Fintech Lab
Production-ready prototypes and reference architectures for US instant payments—FedNow, RTP, and ISO 20022—built with bank-grade resilience, fraud controls, and compliance automation.
Modern US payments need an overlay + trust layer
The US doesn’t have one universal "front door" to payments. Consumers and businesses bounce between cards (expensive), ACH (slow), and closed-loop wallets.
Our Lab builds the missing layer: Software that makes real-time rails usable, interoperable, and safe at scale. We focus on multi-rail orchestration and UPI-like primitives adapted for the US market.
Global Instant Payment Standards
The world has moved to real-time. The US is catching up. Here is the settlement gap we close.
Source: Central Bank & Payment scheme reports (2024)
Built for the Quantum Age
Legacy banking cores run on COBOL and batch processing from the 1970s. Our system is engineered from the ground up for the speed, security, and complexity of the post-quantum era.
Yesterday's Systems
Monolithic & Fragile
Single points of failure. Updates take months. Downtime is expected.
Vulnerable Encryption
Standard RSA/ECC is susceptible to future quantum decryption attacks.
Batch Processing
Data moves in "nacha files" overnight. Reconciliation is always T+1.
The Quantum Insider Advantage
Atomic & Event-Driven
Microservices architecture. Transaction finality in milliseconds. 99.999% uptime.
PQC-Native Spec
Built with Post-Quantum Cryptography standards (NIST finalists) ready for 2030+ security needs.
AI-Powered Liquidity
Predictive models manage intraday liquidity automatically, optimizing capital efficiency.
We don't just patch the old system. We replace the foundation with mathematical certainty.
Credit Cards Aren’t Going Away —
We Design for Interoperability
The US payments system is deeply shaped by the open-loop credit card ecosystem. Quantum doesn’t try to replace cards. We build a multi-rail orchestration layer that integrates with card networks while expanding the reach of instant payments where they’re a better fit.
Where cards remain the best tool
- Credit at the point of sale (revolving credit, financing)
- Global acceptance + mature merchant tooling
- Chargebacks and dispute frameworks consumers understand
- Tokenization + strong fraud tooling embedded
- Rewards economics that drive consumer behavior
Our approach preserves these strengths—and then modernizes everything around them.
Deeply entrenched ecosystem
The "Multi-Rail Decision Engine"
- • Credit purchases (financing)
- • High-risk transactions
- • Cross-border travel
- • Bill Pay & Rent
- • Payroll & Disbursements
- • P2P & Account Funding
Fallback Logic: If one rail is degraded, we route to the next best rail with safe retries and idempotency to prevent duplicates.
How we differ from UPI
"UPI-style" in the US isn't a copy—it’s an adaptation. India’s model is domestic-first and bank-centric. The US version must account for credit centrality and enterprise needs.
Credit + Rewards are Central
Quantum supports rail-agnostic incentives and keeps card rails where credit is the product.
Enterprise Reconciliation
ISO 20022-first workflows help B2B payments carry usable remittance data that cards often strip.
Higher Risk Pressure
We treat risk + compliance as first-class infrastructure, not a bolt-on.
More Economically Compelling
What "UPI-style" means in the US
We abstract the complexity of US rails to provide 5 frictionless user experience primitives.
Payment Addressing
Pay to email/phone/handle, not routing numbers.
Request-to-Pay
Merchant sends request; user approves in-app.
QR + Links
Frictionless in-person and remote checkout.
Interoperability
Any bank to any bank, seamlessly connected.
Instant Confirm
Settled and confirmed in seconds.
In the US, we implement these using FedNow/RTP for settlement with ISO 20022 rich messaging.
Reference Architecture
Multi-Rail Instant Payments Orchestration
Instant Payments
One Integration, Multiple Rails
Unified API for FedNow, RTP, and fallback rails. Don't rebuild for every network.
Smart Routing Logic
Route statically or dynamically based on cost (lowest fee), SLA (fastest), or risk score.
Resiliency Patterns
Idempotent keys, replay-safe processing, and multi-region failover handling.
ISO 20022 Native
Rich data payloads for B2B remittance, invoicing, and automated reconciliation.
Risk & Compliance
Real-time Fraud Scoring
Pre-transaction risk checks tuned for irrevocable push payments. <100ms latency.
Friction-Right Onboarding
KYC/KYB flows that step up friction only when risk signals require it.
Transaction Monitoring
Velocity limits, behavioral baselines, and anomaly detection alerts.
Audit-Ready Logs
Immutable decision logs for every transaction, ready for regulator exams.
High-Impact Use Cases
Instant Payroll
Earned wage access and contractor payouts 24/7/365.
Insurance Claims
Disaster relief and claim payouts available immediately to policyholders.
Merchant Refunds
Build trust with instant refunds, reducing chargeback disputes.
B2B Settlement
Invoice payment with full remittance data integration.
Bill Automation
Request-to-pay for utilities with instant confirmation.
Treasury Ops
Real-time liquidity management and account funding.
Partnership Deliverables
We don't just explore; we deliver assets you can deploy.
- Reference Architecture & Threat Model
- Sandbox Environment + Test Harness
- ISO 20022 Message Mapping Library
- Smart Routing Policy Engine (Configurable)
- Pilot Plan with Success Metric Dashboards
Typical Engagement
Built for Trust & Safety
Instant payments are irrevocable. Safety is our P0 priority.
Confirmation of Payee
Verify account owner before funds leave.
Device Binding & Signals
Step-up auth based on device risk score.
Deterministic Reconciliation
Automated exception handling for 99.9% match rates.
Technical Specifications
Enterprise-grade performance metrics validated through rigorous testing in production-equivalent environments.
Processing Capabilities
Network Requirements
Security & Compliance
Built from the ground up for the most demanding regulatory environments in financial services.
Certifications & Authorizations
Security Architecture
Integration & APIs
Drop-in integration with existing banking infrastructure. REST, gRPC, and native protocol support for rapid deployment.
REST API
OpenAPI 3.0 specification with interactive documentation. Supports idempotent requests and webhook callbacks.
Native SDKs
Type-safe SDKs with automatic retry, connection pooling, and built-in telemetry.
Protocol & Standard Support
Flexible Deployment Models
From fully managed cloud to on-premise installations. Every deployment maintains identical security posture.
Cloud Managed
Fully managed service in our SOC 2 Type II (In Progress) infrastructure. Zero operational overhead with automatic scaling.
- Multi-region availability
- Auto-scaling to demand
- 99.99% SLA
- Managed updates & patches
- 24/7 NOC monitoring
Private Cloud
Dedicated infrastructure in your cloud account. Full control over network topology with managed application layer.
- Your AWS/Azure/GCP account
- VPC isolation
- Custom retention policies
- BYOK encryption
- Dedicated support
On-Premise
Full deployment in your data center. Complete control for institutions with strict data residency requirements.
- Air-gap capable
- Hardware security modules
- Custom PKI integration
- Offline operations
- White-glove deployment
Trusted Across Financial Services
Designed for institutions where payment reliability is mission-critical.
Banks & Credit Unions
Core modernization, FedNow enablement, real-time liquidity
Payment Processors
Multi-rail orchestration, ISO 20022 translation, fraud reduction
Enterprise Treasury
Instant disbursements, vendor payments, cash management
Fintech & Neobanks
Instant transfers, earned wage access, embedded finance
Frequently Asked Questions
Common questions from technical teams, compliance officers, and procurement.
How does multi-rail routing work?
Our Smart Router evaluates each transaction against configurable policies: cost (lowest fee), speed (fastest rail), risk (safest option), and availability (working rail). You can set static preferences or let the engine optimize dynamically. Fallback logic handles rail degradation automatically with idempotent retry patterns.
What happens if a payment fails on the primary rail?
The system automatically attempts the next best rail based on your policy configuration. All retries use idempotent keys to prevent duplicates. You receive real-time webhook notifications at each stage. If all rails fail, the transaction is queued with configurable retry schedules.
How do you handle fraud for instant payments?
Pre-transaction risk scoring runs in <10ms using graph neural networks that detect anomalous patterns. We support Confirmation of Payee to verify recipients before funds leave. Device binding, behavioral biometrics, and velocity limits provide layered defense. All decisions are logged for audit.
What's required for ISO 20022 compliance?
We handle the heavy lifting: message translation, validation, and enrichment. Our mapping library converts legacy formats to ISO 20022 and vice versa. Rich remittance data flows through end-to-end, enabling automated reconciliation that legacy systems can't match.
Can you integrate with our existing core banking system?
Yes. We have pre-built connectors for major cores (Temenos, FIS, Fiserv, Jack Henry) and a flexible adapter framework for custom integrations. Most implementations are completed within 8-12 weeks, with a sandbox available immediately for testing.
What's the pricing model?
Usage-based pricing with volume discounts. You pay per transaction processed, with no minimums or long-term commitments for cloud deployments. Enterprise and on-premise deployments include platform fees. Contact us for detailed pricing based on your volume and deployment requirements.