FQX provides a secure, efficient and compliant infrastructure for electronic negotiable instruments (eNI™). We enable liquidity crossing borders and markets in a banking-grade DLT environment.
Combining highly proven instruments with the most recent legislation and technology, FQX allows the standardized and globally scalable transfer of unconditional promises to pay.
FQX applies the best legal, finance and technology expertise to the field of electronic negotiable instruments as the promissory note. The FQX eNI™ (electronic Negotiable Instruments) platform allows businesses to control their liquidity by issuing, transferring and closing
eNotes for financing and investing purposes. The enforceability in 164 countries allows the use on a global scale. FQX is a partner of Swisscom for the use of Qualified Electronic Signatures. All eNI™ are stored on the Consensus-as-a-Service banking infrastructure of Swisscom and Swiss Post.
Driving Digital Global Finance
Steering liquidity, earning discounts and generating investment yields. With the FQX eNI™ platform, financial institutions and companies can cover the following 3 application areas:
Cash Flow Management
Control of operating and free cash flows by accelerating and decelerating the corresponding activities with customers and suppliers and earn discounts.
Automation and Risk Reduction
Paper-based processes in trade finance are being digitized reducing process costs and operational risks.
Reduction of Financing Costs
Through pricing, disintermediation and automation.
Flexible Financing Partner Policy
Through onboarding and controlling eco-systems.
In 161 countries on the same legal basis.
Risk-adjusted Investment Excess Returns
Investment in Supply Chain Finance eNotes enable participation in credit rating arbitrage to achieve excess returns over the benchmark.
Invest in tradeable Assets
Invest in unconditional promises to pay with integrated ISINs which can easily and digitally be transferred to other parties.
How it works
Flexible liquidity generation
Supply Chain Finance: Receivables
Monetize trade receivables
Supply Chain Finance: Payables
Gain discounts, extend DPO and retain free cash flow
For Financial Institutions
FQX enables eNI™ based on a banking-grade infrastructure - fully digital. Financial institutions can participate via the platform or offer white-label and integration solutions.
New Business Opportunities
Access to new business via the eNI™ platform and white-label solutions
Expansion into new jurisdictions and markets
New financial product engineering opportunities
Transaction Cost Optimizations
Electronic automation of paper-based processes
Integration into back-office systems for STP
Real-time information and transaction status
Formerly illiquid assets become tradeable and liquid
Re-discounting with central banks in certain countries
Liquidity risk reduction
Provide superior value to corporate clients
Use the FQX white label / API solution with corporate identity
Transformation into a digital trade finance bank
Interbank-Funding / Wholesale Banking
Cheaper financial instrument for short-term funding
Short-term investment opportunities
Fully digital inter-bank funding network
FQX provides one infrastructure, one financial instrument and one legal framework to drive asset origination-to-distribution to the highest efficiency level. This in turn creates an attractive asset class for investors based on global standards and reach as well as it provides liquidity where needed to the real economy.
Frank Wendt, Co-Founder & CEO FQX
FQX combines Legal Engineering with profound knowledge of financial markets to help thrust the financial system into the digital realm where costs are low, accessibility is high and security is standard.
FQX provides global electronic issuance & transfer of eNotes to extinguish process inefficiencies & operational risks.
Supply Chain Finance
Generate free cash flow
Optimize working capital metric
Manage key balance sheet ratios
Reduce transaction costs via automation
Replace inefficient trade finance instruments
Reduce transaction costs to raise short-to-mid-term capital
Expand the funder base to Non-Bank Investors
Invest in eNIs and earn superior yields compared to MM, CP, CD and Term Deposits
FQX’s value proposition is simple: One of the most trusted financial instruments and its bunch of legal advantages - the paper-based existence + a banking-grade DLT infrastructure + qualified electronic signatures (eIDAS) + an easy-to-use and customer-driven platform = the FQX eNI™ infrastructure.
Dr. des. Stephan Meyer, Co-Founder, CPO & Chief Legal Engineer FQX
Electronic negotiable instruments are efficient, secure, and offer an attractive variety of uses cases in the corporate finance and supply chain space for companies, financial institutions and institutional investors.
Dr. Philipp von Randow, Co-Founder & General Counsel FQX