Banking & Payments Infrastructure
Design of stablecoins, tokenized deposits, tokenized liabilities, and payment flows that integrate with core systems, RTP, FedNow, and card networks while maintaining safety and soundness.
Exam-Ready Infrastructure
Digital Asset & AI Infrastructure for Regulated Institutions
Research and consulting studio helping banks, market utilities, and institutions design stablecoins, tokenized assets, and digital-asset rails that operate within regulatory expectations.
Our standard is simple: if a design cannot withstand a regulatory exam, we do not ship it.
360°
View of Problem
0
Black-Box Decisions
24/7
Operational Mindset
100%
Exam-Aware
Capabilities
From Policy to Production
We help institutions translate GENIUS-era policy into live, exam-ready programs with clear governance, documented controls, and implementable technical designs.
Tokenized Securities & Market Infrastructure
Architectures for RWA tokenization, issuance, and secondary trading that acknowledge securities-law requirements, ATS/BD considerations, and institutional workflows.
Governance, Brand & Incident Planning
Governance frameworks, escalation paths, and communication plans so programs remain coherent during incidents, market stress, and supervisory attention.
Multi-Dimensional Design
Built for the GENIUS Era
We frame each program across three dimensions that must align for sustainable operations.
01
Policy, Governance & Stakeholders
Interpret new rules, align boards and regulators, and define governance that supervisors can examine and teams can operate reliably.
02
Architecture, Design & R&D
Reference architectures and R&D sprints for stablecoins and tokenization, designed to scale and to be testable and auditable.
03
Reputation & External Narrative
Narrative and communication support so the external story matches the actual controls, constraints, and operating model.
R&D Pillars
Controlled Experimentation, Exam-Aware by Default
Experiments run in controlled environments with clear hypotheses. Production is reserved for designs that can be supported in front of supervisors.
360°
View of the Problem
Policy, economics, technology, operations, and reputation assessed together.
0
Black-Box Decisions
Key decisions must be explainable and repeatable.
24/7
Operational Mindset
Designed for continuous operations and incident handling.
100%
Exam-Aware
Controls structured so examiners can follow the logic.
Advisory & Build Services
Engagement Scope
We operate as an internal R&D and design partner for stablecoin and digital-asset programs, covering architecture, governance, and readiness for exam and launch.
Systems Architecture & Scale Patterns
Reviews and greenfield designs for stablecoins, tokenized deposits, tokenized securities, and payment flows.
Stablecoin & Token Design
Design frameworks for payment stablecoins, tokenized deposits, and RWAs aligned with regulatory requirements.
Technology Diligence & Vendor Selection
Independent assessment of vendors and protocols with emphasis on resilience and regulatory expectations.
Governance, Controls & Operating Models
Program charters, decision rights, and runbooks that connect product, technology, risk, and legal.
Brand, PR & Incident Communication
Launch and incident-response messaging consistent with the underlying risk posture and control environment.
Education, Labs & Executive Sessions
Briefings, workshops, and table-top exercises on stablecoins, tokenized RWAs, and explainable AI.
QFAI Field Agents
Glass-Box AI Agents for Regulated Infrastructure
QFAI Field Agents run on the Quantum Field Decentralized Intelligence OS. They operate on encrypted, policy-gated data and produce structured records for each interaction.
Use cases include RAG copilots, compliance intelligence, treasury twins, AML, and digital-asset agents. If an agent cannot support an exam-level review, it does not go into production.
Enterprise Deployment
Bank-controlled environments—VPC, private cloud, or on-prem.
Transparent Execution
Each interaction recorded for review by risk, audit, and supervisors.
Aligned with Existing Frameworks
Extends KYC, AML, third-party risk, and model-risk processes.
Digital twin of treasury positions across entities, currencies, and rails.
- Runs what-if and stress scenarios against defined limits
- Explains allocation alignment with risk appetite
- Handles fiat, stablecoin, and L2 settlement flows
Knowledge-graph-driven agent that complements existing AML and KYC systems.
- Explains alerts as concrete patterns and rule hits
- Assembles SAR narratives and case summaries
- Respects jurisdictional differences
Agent trained on internal policies, procedures, and regulatory mappings.
- Answers policy questions with source references
- Identifies conflicts between products and rules
- Suggests test cases to validate controls
Agent focused on tokenized deposits, stablecoins, and RWA programs.
- Understands chain-specific risk and custody
- Connects to settlement and reporting workflows
- Produces supervisor-ready explanations
Input Layer — Request & Context
Model Layer — Pattern Recognition
Policy Layer — Rules & Limits
Output Layer — Structured Record
Glass-Box AI
Explainable AI for Regulated Financial Services
Our approach separates perception from policy and creates a traceable record for each decision, making AI-assisted processes auditable and exam-ready.
- Explainable by design: Structured record of inputs, context, models, rules, and outputs for review without reverse-engineering.
- Separation of model and policy: Neural models for pattern recognition, policy encoded in versioned rules that can be tested independently.
- Digital-asset application: Same approach for stablecoins, tokenized deposits, and RWA rails with GENIUS-era compliance mappings.
Leadership
Founder
Matthew K. Bowen
Founder & CEO
Matthew K. Bowen builds Quantum Field as a decentralized-intelligence OS for financial infrastructure, combining AI, cryptography, digital assets, and governance with a focus on evidence and exam-ready design.
As a Minnesota-licensed attorney and builder, he focuses on regulated digital assets, bank-grade AI, and infrastructure that can be supported in front of internal audit, supervisors, and counterparties.
Get Started
Ready to Build Exam-Ready Infrastructure?
Connect with our team to discuss your stablecoin, tokenization, or AI program. We focus on supervisory context, balance sheet impact, and paths to compliant deployment.