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Quantoz Payments is a Dutch electronic money institution supervised by De Nederlandsche Bank, issuing EURQ and USDQ. It holds reserves through a bankruptcy-remote foundation, publishes reserve composition, offers free direct redemption to holders without an account and holds ISO 27001 and ISAE 3402 Type 2.
Quantoz (EURQ and USDQ) scores 2.7 out of 5 (54 out of 100) in the Buckingham Intelligence Stablecoin Issuers Index 2026 and ranks 7 of 11. It is strongest for european firms wanting free direct redemption without an existing account, and its best criterion is redemption at 4 out of 5. Not published or not stated on the pages read: reserves and independent assurance.
Scores from the Stablecoin Issuers Index 2026.
No award in the Stablecoin Issuers Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For payment and e-money firms | 57 | 6 of 11 |
| For exchanges and brokers | 53 | 7 of 11 |
| For corporate treasuries | 53 | 7 of 11 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
European firms wanting free direct redemption without an existing account.
What Quantoz (EURQ and USDQ) publishes on its own pages, read on 26 October 2026.
Quantoz Payments is a Dutch electronic money institution supervised by De Nederlandsche Bank, issuing EURQ and USDQ. It holds reserves through a bankruptcy-remote foundation, publishes reserve composition, offers free direct redemption to holders without an account and holds ISO 27001 and ISAE 3402 Type 2. No reserve attestation firm or minting price is published.
| Fact | What the provider publishes |
|---|---|
| Reserves | "Stichting Quantoz holds reserves in a bankruptcy-remote structure"; reserves in "Multiple Tier 1 European banks" and "Dutch & German government bonds"; transparency page shows reported reserve composition and reserve ratios. Banks not named. |
| Independent assurance | Transparency page lists ISO 27001 ("Certified information-security management since 2020") and ISAE 3402 Type 2 over controls. No reserve attestation by a named firm on the pages read. |
| Regulatory standing | "Quantoz Payments B.V., an Electronic Money Institution (EMI) licensed in the EEA and supervised by De Nederlandsche Bank (DNB)"; "DNB supervision also covers Stichting Quantoz." |
| Redemption | "A pre-existing registered token account is not required"; payout to a verified bank account in the holder's name in the EEA, UK or Switzerland; "On-chain compliance checks may take up to one week after receipt is confirmed." |
| Published fees | "Standard redemption with Quantoz is free of charge." Minting price agreed per client: "We agree the pricing model and enabled functions before production access." |
| Currencies and networks | Two currencies: euro and US dollar; "EURQ & USDQ connected across chains by LayerZero". No network count on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: quantoz.com, quantoz.com/transparency, quantoz.com/token-redemption, quantoz.com/platform.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Stablecoin Issuers Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Circle (USDC and EURC) | 4.3 | 1 of 11 | Payment firms and exchanges needing the widest licensing and network coverage |
| Paxos (USDG, USDP and PYUSD) | 3.6 | 2 of 11 | Payment firms wanting free redemption and a Big Four attestation |
| Tether (USDT) | 3.5 | 3 of 11 | Exchanges and large traders needing the most widely held dollar stablecoin |
| Agora (AUSD) | 3.3 | 4 of 11 | Fintechs and platforms wanting fee-free minting and a share of reserve income |
| Gemini (GUSD) | 3.1 | 5 of 11 | Firms already on Gemini wanting fee-free conversion and named reserve banks |
| StraitsX (XSGD, XUSD and XIDR) | 2.8 | 6 of 11 | Payment firms in Southeast Asia needing a Singapore dollar stablecoin |
| Societe Generale-Forge (EURCV and USDCV) | 2.5 | 8 of 11 | European banks and institutions wanting a bank-group issuer with daily reserve disclosure |
| AllUnity (EURAU, CHFAU, SEKAU and USDAU) | 2.4 | 9 of 11 | European corporates wanting a no-code mint account and several currencies |
| Ripple (RLUSD) | 2.4 | 10 of 11 | Banks and brokers wanting a New York trust issuer |
| Monerium (EURe and GBPe) | 1.9 | 11 of 11 | Fintechs and wallets needing euro tokens linked to a named IBAN |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Quantoz (EURQ and USDQ) is compared with its alternatives in the table above.
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