What is Quantoz USDQ (USDQ)?

TLDR Quantoz USDQ (USDQ) is a Dutch-regulated stablecoin pegged 1:1 to the US dollar, designed for secure, compliant digital transactions in Europe’s crypto markets.

1. Regulated stability – Backed 102% by reserves in EU Tier 1 banks and T-bills, supervised by the Dutch Central Bank.
2. Multi-chain utility – Issued as ERC-20 tokens on Ethereum, Polygon, and Algorand for cross-platform compatibility.
3. MiCA compliance – Operates under Europe’s Markets in Crypto-Assets Regulation, ensuring legal safeguards for users.

Deep Dive

1. Regulatory Framework & Backing

USDQ is issued by Quantoz Payments BV, a licensed Electronic Money Institution under Dutch Central Bank (DNB) supervision. Reserves are held in a bankruptcy-remote entity (Stichting Quantoz), with 30% in cash at systemic banks and 70% in liquid government bonds. This structure ensures compliance with MiCA’s strict asset-safeguarding rules (USDQ Whitepaper).

2. Technology & Accessibility

USDQ operates on Ethereum, Polygon, and Algorand blockchains, enabling integration with DeFi platforms like Folks Finance. Its ERC-20 and ASA (Algorand) token standards ensure compatibility with wallets and exchanges, while smart contracts include freezing/clawback functions to mitigate illicit activity risks.

3. Redemption & Use Cases

Holders in the European Economic Area (EEA) can redeem USDQ 1:1 for fiat via Quantoz, subject to KYC checks. Primary use cases include arbitrage liquidity, cross-border payments, and institutional-grade trading, with listings on 60+ exchanges like EXMO and CoinW as of July 2025 (Quantoz announcement).

Conclusion

Quantoz USDQ combines regulatory rigor with multi-chain flexibility, positioning it as a trusted Euro-centric stablecoin. How might its MiCA compliance influence adoption as global crypto regulations tighten?