Lower cost.
Verifying a payment costs almost nothing. Merchants pay a fraction of what card acceptance costs today.
For business
A rail you operate. Not one you rent.
For merchants
Instant and final.
Settlement is immediate, and there is no chargeback fraud, because there is nothing to reverse.
The till keeps working.
Offline acceptance means an outage is no longer a lost day.
No special hardware.
An ordinary phone or terminal is enough.
For banks & fintechs
A network you operate and earn from.
The rail is run by a consortium of the supervisor and the participating institutions — not by a foreign operator, and not by us. Issuing and accepting institutions both earn on it.
Not a cannibal.
Qashmore doesn't compete with your accounts or your cards. It carries the money or assets you already hold or issue.
A clean integration.
Issuance and redemption interfaces, a spent-note registry, and settlement mapped onto rails you already run.
Independent from the design authority.
We license the protocol; we do not operate the network. The party that writes the rules of a payment network should not also be playing on it.