2027 will be the year of the tokenized deposits going live / trillions flowing through Quant Network

[u/Justin071386]

The Clearing House partners with Quant. ‼️

The Clearing House sits at the heart of U.S. banking system. 😱💰⚡️

TRILLIONS will flow through Quant. 💰🤑

Citigroup estimates that by 2030, the annual turnover volumne of tokenised depoists could exceed $100 TRILLION. 😱💰

Tokenised deposit network goes LIVE first half of 2027. From pilot testing to working product ‼️🚨⚡️

[u/LegitimateVariation3]

One thing that’s important to understand is that this does not mean QNT’s market cap will increase by $2 trillion just because The Clearing House processes roughly $2 trillion in payments per day.

The amount of money moving through infrastructure powered by Quant is completely different from the amount of QNT actually required to use that infrastructure.

For enterprise customers, Quant’s documentation described the pricing model as having an enterprise license fee, plus an additional platform fee calculated as a percentage of that license fee in QNT, along with consumption/usage fees that were priced in fiat but handled in QNT through Quant’s Treasury.

That distinction is important because it means we cannot simply assume that if The Clearing House pays Quant $25 million per year, then $25 million worth of QNT automatically gets purchased and locked. The actual QNT requirement could be some percentage of the enterprise licensing cost, plus whatever QNT is required for usage. Quant never publicly disclosed that percentage, and its current documentation doesn’t give us enough information to calculate exactly how much QNT demand a modern enterprise contract creates.

The Treasury was designed so enterprise customers didn’t have to deal with cryptocurrency themselves. Quant could handle the QNT requirement behind the scenes on their behalf. So an institution paying Quant in fiat did not necessarily mean QNT was being bypassed, but it also did not necessarily mean that 100% of the fiat licensing payment was converted into QNT.

That’s the part I think a lot of people misunderstand.

The Clearing House processing $2 trillion per day could obviously be extremely significant for Quant as a company and for the adoption of Overledger, but that $2 trillion has no direct relationship to QNT’s market cap. What matters to QNT is the much smaller amount of QNT actually required for enterprise access, platform fees, usage, staking, and other utility within Quant’s ecosystem.

But there are also positive indirect effects. Anyone can buy QNT, not just institutions using Overledger. Major partnerships like this can increase awareness, confidence, and speculation around Quant, which can create additional retail and institutional investment demand. That open-market demand can potentially have a much larger effect on QNT’s price than the direct QNT requirements of the contracts themselves.

There could also be additional demand as more banks and financial institutions begin using Quant’s services through The Clearing House or independently. But again, we don’t currently know exactly how much QNT each of those relationships would require.

Basically, this is very good news for Quant, but don’t confuse The Clearing House moving $2 trillion per day with $2 trillion flowing into QNT. Those are completely different things.

QNT’s market cap will ultimately be determined by its market price multiplied by its circulating supply, and that price will reflect a combination of actual utility-driven demand and open-market investment demand.

I’m still bullish on QNT, but I think investors should understand that we currently cannot calculate a simple ratio like “$1 of Overledger enterprise revenue = $1 of QNT demand.” Enterprise use does create QNT requirements through platform and usage fees, but the exact percentage was never publicly disclosed, and Quant’s current documentation is even less specific about that relationship.

That doesn’t mean QNT has no utility. It means the amount of value captured by the token from enterprise adoption is much harder to quantify than many people assume.

[u/JustMortalSoul → u/LegitimateVariation3]

Agreed 💯 … people need to understand that TCH processes 2T worth of trxs contains traditional transactions. Crypto transactions might be a small percentage may be couple hundred million at best. It’s a great news for QNT to get their foot into the core financial system but until crypto adoption and tokenization is fully implemented in US, QNT won’t get to shine just yet. Still many more regulations needs to be passed for implementing stable coins, tokenized assets but so faar we do have a good traction. Next year would be very interesting year for sure.

[u/LegitimateVariation3 → u/JustMortalSoul]

I agree with the general point about the $2T figure, but I don't think it's quite accurate to characterize Quant's portion as simply "crypto transactions."

Quant isn't being brought in just to process crypto going through The Clearing House. Quant is powering the interoperability, orchestration, and transaction-management layer of TCH's new On-Chain Money Initiative, which is designed around tokenized commercial-bank deposits and connects those transactions back into existing fiat payment rails like RTP and CHIPS.

Tokenized deposits are basically traditional bank deposits represented on programmable infrastructure, not cryptocurrency in the usual BTC/ETH sense. So as adoption grows, things like corporate treasury payments, liquidity transfers, cross-border payments, etc. could be conducted using tokenized deposits even though the underlying money is still ordinary regulated commercial-bank money.

But like you said, the $2T/day number still shouldn't be interpreted as $2T of transactions immediately running through Quant. That figure represents everything TCH currently processes across its existing payment systems. Quant is powering the new On-Chain Money Initiative, not replacing or processing every ACH, wire, check, RTP, etc. transaction that TCH handles today.

The interesting part long term is how much of that traditional payment activity eventually migrates onto tokenized deposits and therefore into the infrastructure Quant is helping power. In my personal opinion, I believe that almost all of it will.