In a decisive move to modernise banking infrastructure and meet mounting regulatory and competitive pressures, fintech innovator Quant has launched Quant Flow.
The era of programmable money
Quant Flow is a white-labelled programmable money platform designed for financial institutions and corporates across Europe, the Middle East, and Asia-Pacific.
It represents a significant evolution in commercial bank money.
By embedding automation and logic directly into account-based money, Quant offers a step-change in how financial institutions and businesses can operate.
The initiative is a response to accelerating demands from the market for smarter, more adaptive financial tools that reflect the realities of an increasingly digital economy.
The appeal for banks lies in Quant Flow’s seamless integration with existing systems.
By enabling programmability without necessitating large-scale infrastructure overhauls, institutions can bring to market advanced financial products — such as dynamic account services or automated liquidity tools — while maintaining regulatory rigour and operational stability.
A notable feature is PayScript, a domain-specific language that lets developers and bank technologists prototype and deploy new financial services using minimal code.
This innovation promises to reduce time-to-market for next-gen banking tools and enhance product differentiation in an increasingly commoditised sector.
Corporates, meanwhile, gain real-time control over their financial operations.
Quant Flow allows businesses to configure and automate complex workflows — such as multi-currency settlements, tax obligations, and internal transfers — all triggered by real-world events or bespoke rules.
These features not only improve operational efficiency but also reduce human error and compliance risks.
Quant Flow further enables CFOs and finance teams to shift from reactive financial management to proactive strategy execution.
Smart dashboards and live data feeds offer enhanced visibility into cash positions and liquidity, empowering data-led decisions with minimal delay.
And for enterprises engaged in cross-border commerce, the solution supports streamlined global payments in both fiat and stablecoin denominations.
Gilbert Verdian, Founder and CEO of Quant, describes the launch as a “move from transactional finance to programmable finance.”
He argues that while money appears digital today, it largely functions on outdated architecture.
Quant Flow, by contrast, injects intelligence into the monetary layer itself, turning money from a passive medium into an active tool.
David Yates, former President of Mastercard and Chair of Vocalink, echoed the sentiment: “Programmable money is the next generation of finance — and it’s here today.”
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