🏦 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.
Quantum Field Inc.
Banking × Digital Asset × Stablecoin × Explainable AI
Regulated digital assets & AI
Banking × Digital Asset × Stablecoin × Explainable AI
Exam‑ready digital‑asset and AI infrastructure for banks and institutions.
Quantum Field Inc. is a research and consulting studio that helps banks, market utilities, infrastructure providers, and institutions design and implement 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.
Why Quantum Field
From policy to production.
We help institutions translate GENIUS‑era policy into live, exam‑ready programs: stablecoins, tokenized securities, and digital‑asset rails 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: policy and governance, technical architecture, and external narrative.
Policy, governance & stakeholders
Interpret new rules, align boards and regulators, and define governance that supervisors can examine and teams can operate reliably.
Architecture, design & R&D
Reference architectures and R&D sprints for stablecoins and tokenization, designed to scale and to be testable and auditable.
Reputation and 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 and defined risk limits. Production is reserved for designs that can be supported in front of supervisors and internal audit.
360°
View of the problem
Policy, economics, technology, operations, and reputation assessed together to avoid solving one issue while creating others.
0
Black‑box decisions
We avoid “just trust the model” and “just trust the vendor.” Key decisions must be explainable and repeatable.
24/7
Operational mindset
Architectures are designed for continuous operations, incident handling, and clear accountability—not only for launch day.
100%
Exam‑aware
Patterns, controls, and documentation are structured so examiners, internal audit, and model‑risk teams can follow the logic.
Advisory & build services
Engagement scope.
We typically 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 that can handle volume and regulatory oversight.
🪙 Stablecoin & token design
Design frameworks for payment stablecoins, tokenized deposits, and RWAs, aligned with capital, liquidity, and market‑structure requirements.
🔍 Technology diligence & vendor selection
Independent assessment of vendors and protocols, with emphasis on resilience, roadmap, regulatory expectations, and integration complexity.
⚖️ Governance, controls & operating models
Program charters, decision rights, and runbooks that connect product, technology, risk, legal, and communications into a coherent operating model.
📣 Brand, PR & incident communication
Launch and incident‑response messaging that is 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 in regulated settings.
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
Agents are deployed in bank‑controlled environments—VPC, private cloud, or on‑prem—and integrate with existing identity, logging, and incident‑management tooling.
Transparent execution
Each agent interaction is recorded: request, context retrieved, models invoked, rules applied, and outputs. This enables review by risk, audit, and supervisors.
Aligned with existing frameworks
QFAI extends current KYC, AML, third‑party risk, and model‑risk processes. It is designed to sit inside, not outside, existing governance.
Agent library
Representative Field Agents.
Each agent has a clear scope, defined controls, and explicit human‑in‑the‑loop requirements.
Treasury Twin Agent
Liquidity & balance sheet
Digital twin of treasury positions across entities, currencies, and rails.
- Runs what‑if and stress scenarios against defined limits.
- Explains why proposed allocations align or conflict with risk appetite.
- Handles fiat, stablecoin, and L2 settlement flows within policy.
AML / KYC Intelligence Agent
Financial crime
Knowledge‑graph‑driven agent that complements existing AML and KYC systems.
- Explains alerts as concrete patterns and rule hits.
- Helps assemble SAR narratives and case summaries.
- Respects jurisdictional differences and internal taxonomies.
Policy & Compliance Agent
Regulations & controls
Agent trained on internal policies, procedures, and regulatory mappings.
- Answers “what does policy say?” with references to source documents.
- Identifies conflicts between new products and existing rules.
- Suggests test cases to validate controls against stated policy.
Digital‑Asset & Stablecoin Agent
GENIUS‑era rails
Agent focused on tokenized deposits, stablecoins, and RWA programs.
- Understands chain‑specific risk, custody, and oracle dependencies.
- Connects to settlement, monitoring, and reporting workflows.
- Produces explanations that can be walked through with supervisors.
Glass‑box AI
Glass‑box AI for regulated financial services.
Our approach separates perception from policy and creates a traceable record for each decision, making AI‑assisted processes more auditable and exam‑ready.
Explainable by design
Each decision includes a structured record of inputs, retrieved context, models used, rules applied, and outputs. This supports review by internal teams and examiners without reverse‑engineering prompts.
Separation of model and policy
Neural models handle unstructured data and pattern recognition. Policy, limits, and jurisdictions are encoded in a separate rules layer that can be versioned, tested, and approved independently.
Application to digital‑asset programs
The same glass‑box approach is applied to stablecoins, tokenized deposits, and RWA rails, with clear mappings to GENIUS‑era expectations and internal control frameworks.
Founder
Matthew K. Bowen — Founder & CEO, Quantum Field Inc.
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.
Contact
Engage Quantum Field Inc.
Suitable for regulated institutions, digital‑asset banks, and infrastructure providers planning stablecoin, tokenization, or explainable‑AI programs. Discussions focus on supervisory context, balance sheet impact, and paths to exam‑ready deployment.
Architecture, R&D & implementation
Engage on architecture, implementation, or co‑design of QFAI deployments; multi‑agent workflows; governance tooling; and digital‑asset and payments integrations aligned with internal and regulatory expectations.
Executive & bank inquiries
Contact: Matthew K. Bowen, CEO · Matthew@quantumfieldinc.com
Web: quantumfieldinc.com
Quantum Field Inc. is a Banking × Digital Asset × Stablecoin × Explainable AI R&D lab and consulting firm focused on exam‑ready architectures, token design, governance frameworks, technology diligence, stakeholder education, and narrative strategy for institutions operating in the GENIUS era. This site is not legal advice; we collaborate with your internal and external counsel.