Tokenised deposits have moved from pilots to production planning, and regions are racing to get there first.
At @Sibos Miami 2026, our Founder and CEO, @gverdian, moderated a panel with @LloydsBank, @UKFtweets, @TCHtweets, @TDBank_US and @smbc_group.
The discussion covered where #tokeniseddeposits go first, what makes the commercial case, and why #interoperability will shape the next five years.
Read the full article here: https://t.co/MdsPGCnje6
#ProgrammableMoney #Sibos2026
🚨 XRP & QNT holders, The BIS has been describing the UNIFIED LEDGER in plain sight.
Hyun Song Shin says Project Agorá puts central-bank money + tokenized deposits from multiple institutions on ONE platform, with the full payment path visible and settlement happening “all in one go.”
🏦 Agorá = tokenized bank money
⚡ XRP = cross-border liquidity
🔗 QNT = interoperability
Different systems. Same target:
Fix fragmented cross-border payments.
⚠️ No official partnership, but the overlap is VERY hard to ignore. 📝Full video 👇https://t.co/1OpbvvLdtW
Credit to @SMQKEDQG and @Tokenicer for the documents provided.🤝
🚨XRP & QNT holders, listen 🔊carefully!
Jooyni Sung - Head of Digital Security Infrastructure Team of The Bank of Korea (Central Bank of South Korea) points out the need to fixing slow, expensive cross-border payments and reducing reliance on correspondent banks.
That is the same basic problem Ripple has targeted for years!
Ripple/XRP’s role is different, though: it can act as a bridge asset between currencies, while Project Agorá focuses on tokenized central-bank money and commercial-bank deposits.
Quant/QNT also plays a different role: How so?
Agustín Carstens of The BIS, also talks about building a framework where central-bank money, tokenized bank deposits, and eventually other tokenized assets can work together. That is where Quant overlaps most strongly. Overledger is designed to act like a connector between different blockchains, bank systems, and payment networks, rather than forcing everything onto one ledger.
So the easiest way to think about it is:
🏦 Agorá = shared infrastructure for tokenized bank money
⚡ XRP = liquidity bridge between different currencies/networks
🔗 Quant = technology that can connect different ledgers and systems
The research speaks for itself with documents and findings from @SMQKEDQG and @oneandonlyseb! Well done! 🤝*Full video 👇* https://t.co/TGUqfs7jB2
$QNT BOOKMARK THIS!!!
@gverdian ‘s yen line lands a week after Japan’s Digital Currency Innovation Organization (DCIO) started full operations on 1 October 2026. DCIO grew out of the Digital Currency Forum and is focused on tokenised bank deposits and on chain finance.
Leadership includes a former BOJ payments director and former BOJ governors as advisers:
megabank executives from MUFG, SMBC and Mizuho sit on the board, alongside Japan Post Bank, SBI Shinsei and GMO Aozora. The secretariat is DeCurret DCP, which runs the DCJPY tokenised-deposit platform. Over 40 firms have joined or are considering membership. No foreign vendor, including Quant, is yet named.
BUT!!! THIS IS IMO THE LIKELY AND ONLY OUTCOME!
Orchestration overlay provider on DCJPY / DCIO
DCJPY already has an issuer platform and bank interest (Japan Post has talked about issuing within FY2026; Hokuriku Bank and others are in commercialisation talks).
What multi bank schemes usually lack is neutral clearing between bank ledgers, RTGS, and asset platforms. That is the role Quant took in UK GBTD and at The Clearing House:
interoperability, conditional payment logic (PayScript), and connectivity back to existing rails, not issuance of the currency.
Dentsu Soken is the local insertion point. A realistic outcome is Quant as a settlement or standards vendor to one or more DCIO members, or to a FSA-backed interbank pilot, rather than as the DCJPY platform itself. DeCurret DCP already owns that role.
So… bookmark this!! Programmable yen is incoming!
Same chart. Different route. Same conclusion. That's what happens inside my community every week.
Full video: https://t.co/nafBxlsri1
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$50K funded account for $9 (affiliate): https://t.co/K4hxiKVJSs
🚨 XRP & QNT holders, this may be the clearest look yet at where the system is heading.
We saw Project Agorá test a shared programmable platform where:
🏦 Tokenized central-bank reserves
💵 Tokenized bank deposits
📜 Eventually tokenized government bonds
can move together with atomic settlement, either the entire transaction completes, or none of it does.
That means less reconciliation, fewer correspondent-bank hops, and money + collateral potentially settling on the same rails.
⚡ XRP overlaps as a private bridge asset built to attack the same cross-border liquidity problem.
🔗 QNT overlaps through interoperability, connecting tokenized deposits, bank ledgers, and existing payment rails.
📌 Bottom line:
Agorá = programmable bank money + collateral
XRP = cross-border liquidity
QNT = interoperability
⚠️ Neither XRP nor QNT is the money inside Agorá.
But all three are attacking different layers of the same financial infrastructure problem. "Santander is there." - Agustín Carstens
So is Ripple as shown in the documents from @SMQKEDQG and so is Quant as shown in the clip at the end of this video clip after Carstens speaks. *Full video👇
https://t.co/MgFMsMQyGv
Bridges between blockchains lost over $1B to hacks in 2022 alone.
Quant's answer: stop wiring chains together one pair at a time.
Connect once, reach them all.
I read the patents and docs and made an unofficial animated explainer of how it works 🧵👇
$QNT
ethereum:0x4a220e6096b25eadb88358cb44068a3248254675 Fam I am starting to see a mountain of misinformation, disinformation, and just completely untrue statements, uneducated opinions on Quant Network, and how the $QNT token is or isn’t actually utilized. it’s all FUD and lies .. Please do not let someone with an opinion shake you out of the most incredible opportunity anyone in retail has had since the beginning of time. My brother here, @GregLuntX has did an incredible job breaking down the timeline of every time the CEO of the company has mentioned the token and the utility behind it. Listen to the people that’s actually making the moves, not the people sitting on the sideline crying because they didn’t believe enough to invest, and now they’re trying to shake you out of the most incredible opportunity anyone in retail has ever had since the beginning of retail investing ever $QNT token is going to be the first $MILLIONDOLLAR token because it literally moves the world’s value, in every form. Stay strong, $QNT fam. We are all in this thing together. $QNT is truly the bankers token, the thing that will move and settle cross-border payments, central bank payments, commercial bank payments, capital market transactions and more globally!! Gilbert Verdian is the GOAT🫡🤗🙌🏾‼️
Well, first that means that the price is going to be astronomically high, but second, you have to remember the fractionalization of solana:qntUzPUsJ51abNP7VYNxkmsQ4RnvEZAhavUxsCxpxH4. Think about it like this. We’re getting ready to come into a realm in space where most of the $QNT buys will not be done via human beings. It will be agentic Ai agents executing smart contracts, and if that’s smart contract requires, let’s just say ¢4 of QNT to actually process the transaction. They’re gonna buy ¢4 of QNT no questions asked. Now think about that happening billions of times a day because there’s massive transactions flowing through the network. The fractionalization of the actual $QNT token, that’s what’s going to help with that whole supply and demand matrix, but it’s still gonna be massive amounts of volume flowing through the network, which will drive the existing supply price higher and higher and with a fixed supply of 14.6 million we’re talking about easily five figures, eventually six figures, and in my eyes, before 2035, seven figures $QNT token!
@GregLuntX You’re more than welcome, brother. Thank you for bringing the cold, hard straight facts unadulterated truth about solana:qntUzPUsJ51abNP7VYNxkmsQ4RnvEZAhavUxsCxpxH4 👊🏾‼️