📋 Basic Information
Full name and abbreviation
Full name: Quantopay Ltd.
Abbreviation: QuantoPay
background
QuantoPay is positioned as the world's first mobile-first blockchain bank, aiming to provide low-cost and efficient financial services by integrating traditional finance and blockchain technology. Its vision is to reduce the global unbanked population through technology-driven financial fairness, with services covering consumer finance, payments, transfers, and blockchain-related applications. With an emphasis on sustainable finance, the company is committed to transparently distributing a portion of its profits to environmental, educational, and community projects.
Registered Capital The
amount of QuantoPay's registered capital is not clearly disclosed in public information. Under UK company law, a limited liability company (Ltd.) is usually incorporated with a lower initial capital, the exact amount of which is subject to further enquiries through Companies House.
Key Executive Backgrounds
Victor Pablo Dana: Co-founder with extensive experience in finance and investment, leading the company's strategy development, participating in sustainable technology and impact investing summits and other events.
Dr. Alexander B.: Co-founder, focused on the company's vision development and technological innovation, and the specific background information is rarely disclosed.
Mikhail Savchenko: Blockchain & DeFi Advisor, former Chief Technology Officer (CTO) of Chrono.Tech and TimeX, with professional experience in the field of blockchain technology development.
The executives' information is mainly from LinkedIn and EIN Presswire, and no more detailed professional biographical disclosures have been made.
Advisory Team
The advisory team includes blockchain and fintech experts, such as Mikhail Savchenko, and the specific list of advisors and backgrounds are not fully disclosed. The company said its team is made up of global fintech and blockchain experts, but there is limited personnel details.
Enterprise Architecture
QuantoPay has a flat start-up structure with core departments including technology development, product management, marketing, and compliance teams. According to its official website and LinkedIn, the team focuses on mobile app development, blockchain integration, and customer experience optimization. A detailed chart of the divisions of the specific divisions is not disclosed.
Shareholding structure The
shareholding structure is not publicly disclosed. According to Crunchbase, QuantoPay closed a $165 million pre-IPO financing on November 30, 2023, valuing it at €700 million, without disclosing specific investors or equity distribution ratios.
Nature of the company
Private Limited Company, operating under UK company registration requirements.
🏷️ Company classification
QuantoPay is a fintech (FinTech) business that is categorized as:
Digital Banking: Mobile-first banking services such as account opening, payment cards, and money transfers.
Blockchain Finance: Integrating blockchain technology to enable fast and secure payments and DeFi functionality.
Sustainable Finance: Emphasizing environmental, social, and governance (ESG) principles and committing to support social good projects.
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📊 Market segmentation
QuantoPay's target markets include:
retail consumers: digital banking services such as prepaid cards, transfers, and cash withdrawals for individual users.
Small and medium-sized enterprises: Plans to launch a business account to support employee prepaid cards and invoice collection.
Unbanked: Focus on financial inclusion, targeting underserved regions such as Africa and Asia.
The market coverage includes Europe, the United Kingdom, the United States, Latin America, and plans to enter the Middle East and Africa market from 2022.
💼 service
QuantoPay offers the following core services:
account opening: Quickly open a personal account via the mobile app.
Payment cards: provide prepaid cards, credit cards, support NFC online and offline payment, and cooperate with Visa and Mastercard.
P2P/B2B payments: Supports person-to-person and business-to-business transfers.
International Money Transfer: A low-cost cross-border transfer service.
Cash Withdrawal: Withdraw cash through an ATM or partner network.
Currency exchange: Multi-currency exchange service.
Cashback: Cashback incentives.
Investment & Wealth Management: Plans to launch a robo-advisor service, which is not yet fully launched.
DeFi integration: Supporting decentralized finance functions through blockchain, such as Quantocoin's on-chain transactions.
⚖️ Regulatory Information
No effective regulation
Additional Notes
QuantoPay mentions in its privacy policy that it works with third parties (e.g. identity verification agencies, anti-fraud authorities) and complies with data protection regulations (e.g. GDPR). Users need to be wary of the risk of a lack of transparency in potential regulatory information.
📈 trading products
QuantoPay's trading products include:
prepaid card: An NFC prepaid card that supports Visa and can be used for online and offline purchases.
Credit Cards: Credit payment options are available, terms of which are not disclosed.
Digital currency trading: Supporting blockchain asset trading through Quantocoin, with plans to migrate to Binance Smart Chain (BSC).
Remittance services: cross-border payments and currency exchange.
Enterprise Payment Tools: Bulk payment and invoice management tools for SMEs (under development).
🖥️ Trading Software
Core Platform
The QuantoPay mobile app (QuantoPay App), available for iOS and Android, provides one-stop financial services including account management, payments, transfers and transaction monitoring.
Technical Features
user interface: clean and intuitive with an emphasis on a mobile-first experience.
Blockchain integration: Enables fast and secure on-chain transactions.
Dashboard: Monitor transactions and account status in real-time.
Security: SSL encryption and one-way password storage.
Development News
The company plans to enhance DeFi features and corporate account support, and the specific launch time has not been announced.
💳 deposit and withdrawal methods
Deposit method
:bank transfercredit
/debit card top-up
, third-party payment platform (specific partner not disclosed).
Withdrawal method
:ATM cash withdrawal (via Visa card network),
bank account transfer
, partner outlets
Fees
QuantoPay claims low or no fees (e.g., transfers, online purchases), but the exact rates are not disclosed.
📞 customer support
Support Channels
email: Submit a question through the official website contact information.
In-app support: Mobile app built-in help center.
Social Media: Respond to user inquiries via Twitter (@quantopay) or LinkedIn.
Service Features
multi-language support (covering English, Spanish, etc.).
The response time is not clearly disclosed, and the user experience feedback shows that the support is relatively timely.
Offer referral rewards (e.g. €50 for every 5 referrals).
Cons
The specific response time and team size of customer support are not disclosed, and the quality of service may vary due to the growth of user volume.
🔗 Core business and services
QuantoPay's core business revolves around the following areas:
digital banking services: providing traditional banking functions such as accounts, payment cards, and transfers, with a focus on mobile experience.
Blockchain & DeFi: Fast payments and decentralized financial services are supported by Quantocoin and blockchain technology.
Sustainable Finance: Invest part of the profits in WeCare projects to support environmental protection, education, and community development.
Financial Inclusion: Reaching the unbanked with low-cost services, with plans to expand to Africa and Asia.
🛠️ Technical Infrastructure
Technical Architecture
Blockchain technology: Collaborate with blockchain technology partners to develop a transparent profit distribution system that supports fast payouts and DeFi functionality.
Cloud infrastructure: Data is stored on servers in the UK and Europe with industry-standard encryption (SSL, firewalls).
Mobile app: Native apps based on iOS and Android for a seamless user experience.
Technology Partners
Mastercard and Visa: Payment card issuance and network connectivity are supported.
Blockchain developer: Not specifically disclosed, but involved Quantocoin's on-chain migration.
Security
Data encryption: Encrypted with SSL and one-way cipher.
Server Security: Hosted in compliant data centers in the UK and Europe.
GDPR compliance: Comply with EU data protection regulations.
🛡️ Compliance & Risk Control System
Compliance Framework
comply with UK and EU data protection regulations (e.g. GDPR).
Work with identity verification and anti-fraud authorities to ensure KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance.
The privacy policy clarifies the purpose of data use and commits to process user information only to the extent permitted by law.
Risk control measures
Identity verification: Users are required to submit proof of identity and a photo for registration.
Fraud prevention: Work with third-party anti-fraud agencies to monitor for unusual transactions.
Data security: Reduce the risk of data breaches by encrypting and securing servers.
Deficiencies
Limited regulatory transparency, insufficient disclosure of specific financial licenses and regulatory agency information, may affect user trust.
🌍 Market positioning and competitive advantage
Market Positioning
QuantoPay is positioned as a global, mobile-first challenger bank targeting retail consumers, SMEs and the unbanked. Its differentiator lies in the combination of blockchain technology, sustainable finance and financial inclusion, challenging traditional banks and some emerging fintech players.
Competitive Advantage
Blockchain integration: Offering fast, secure payments and DeFi capabilities that differentiate you from traditional digital banks.
Commitment to sustainability: Strengthen brand appeal by supporting environmental protection and community development through the WeCare program.
Low-cost services: No fees or low rates (e.g., transfers, shopping), attractive to price-sensitive users.
Strategic cooperation: Establish partnerships with Mastercard, Visa, etc., to enhance payment network coverage.
Competitor
Stash: U.S. digital bank with a focus on investment services.
Algbra: UK fintech with an emphasis on ethical finance.
Kroo: A UK-based digital bank focused on social banking experiences.
🤝 Customer Support & Empowerment
Customer Empowerment
Measures
referral program: Users can earn €50 for referring a friend and a chance to win a ticket to the FIFA World Cup (sponsored by Visa).
Educational support: Financial education is planned to be supported through the WeCare program, with details of implementation not disclosed.
User experience: The mobile app offers an intuitive interface and real-time transaction monitoring to simplify operations.
Support Cases
QuantoPay regularly publishes user incentive activities (such as holiday greetings and referral rewards) through social media and official website to enhance user stickiness.
🌱 Social Responsibility and ESG
Commitment to
Social Responsibility Through the WeCare program, QuantoPay transparently distributes a fixed percentage of profits to the following areas:
Environmental protection: support for marine conservation, coral reef restoration, and anti-shark fin projects.
Education & Children: Funding children's soccer training and education programs.
Sustainability: Supporting the circular economy by using recycled plastic to make Visa debit cards.
ESG Practices
Environmental: Supporting marine conservation and anti-plastic pollution projects.
Social: Promote social equity through financial inclusion for the unbanked.
Governance: Commitment to transparency in profit distribution through blockchain technology.
Transparency Mechanism
The company has developed a blockchain system to ensure the transparency of profit distribution and user choice, and the specific implementation details are not fully disclosed.
🤲 Strategic cooperation ecosystem
Existing partners
Mastercard: supports payment card issuance and global payment networks.
Visa: Prepaid cards and event sponsorships (e.g. FIFA World Cup tickets) are available.
Blockchain Technology Partners: Undisclosed, involving Quantocoin development and on-chain migration.
Potential cooperation
QuantoPay said it is in talks with institutions in the Middle East (such as the Dubai Future Foundation, Abu Dhabi Islamic Bank, Qatar Development Bank) and plans to expand its services from 2022, with no update on the progress of the cooperation.
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💰 financial health
Financing
closed a $165 million pre-IPO financing on November 30, 2023, valuing €700 million.
Purpose of Financing: To support blockchain integration, global expansion, and DeFi feature development.
Revenue Model
Subscription fees: Payment Card and Account Service subscriptions.
Transaction fees: Fees for transfers, remittances, and currency conversions.
Value-added services: additional features such as cashback, deferred payments, etc.
Financial Transparency
Public financial data is limited, and annual reports are available at Companies House for a fee. Valuation and funding data indicate market recognition of its growth potential, but profitability is not disclosed.
🚀 future roadmap
Short-term goals (2022-2025)
expand into the Middle East, Africa and Asia with a focus on financial inclusion.
Enhance DeFi functionality and complete the migration of Quantocoin to Binance Smart Chain.
Launched business accounts and robo-advisor services.
Long-term vision
to become the world's leading mobile-first blockchain bank.
Ongoing support for sustainable development and community development through the WeCare program.
Achieve seamless integration between traditional finance and decentralized finance.
Risk Warning
Regulatory uncertainty: Lack of license transparency may limit expansion.
Technical challenges: Blockchain integration requires continuous investment and faces technical risks.
Market competition: Compete with established fintech companies and traditional banks.
