Arnald from Quantos Payments discusses their regulated e-money and stablecoin platform built on public blockchains. The Dutch-regulated fintech focuses on solving cross-border B2B settlement costs and liquidity challenges for corporates, platforms, and AI agents, recently becoming a Visa principal member.
Arnald, CEO of Quantos Payments, explains how the company emerged from challenges in commodity supply chain financing where fast physical transactions were hampered by slow correspondent banking. Quantos operates as a tech company first, offering both e-money on their internal ledger and stablecoins (USDQ, EURQ) on public blockchains like Stellar, Algorand, and XRP. The platform targets cross-border B2B payments, real-time settlement networks, and emerging use cases like AI agent commerce. Recently becoming a Visa principal member unlocks point-of-sale distribution and global payouts through Visa Direct. Key differentiators include Dutch Central Bank regulation enabling tier-one bank partnerships, support for multiple money forms with intelligent orchestration, and full technology stack ownership. Challenges ahead include corporate adoption barriers, need for accounting treatment as cash equivalents, and seamless user experience abstraction.