It started with a “no.”
As an international founder operating between Canada, the U.S., and emerging markets internationally, Paul Savluc walked into his CIBC branch expecting standard cross-border service. What he ran into instead was a thicket of policy roadblocks: blocked international flows, unclear FX costs, and slow manual processes that made perfectly legitimate, time-sensitive transactions grind to a halt. That day clarified something essential: legacy retail banking wasn’t designed for globally networked founders, remote teams, and programmable contracts. It was designed for yesterday’s pace.
Paul left that meeting with a simple conclusion: if the rails don’t exist for builders, build the rails.
From Banking Friction To Builder-Grade Infrastructure
The frustration became a blueprint. Paul envisioned a community-first, founder-centric platform that treats international money movement like modern software: predictable, programmable, and transparent. Instead of “come back in three business days,” you get real-time status, API hooks, and clear FX math. Instead of ad-hoc back office, you get auditable workflows and automated compliance checks baked into the flow of funds.
What Makes OpenQQuantify Different
OpenQQuantify is positioned as the first global community tech-bank startup that merges three pillars into one operating model:
- Payments & FX Rails: Multi-country payouts and collections, programmable schedules, transparent FX, and corridor-aware routing.
- Contracts & Process Automation: Smart, templated cross-border contracts; milestone-based disbursements; escrow-like holds; and automated KYC/KYB checkpoints.
- Technology R&D Engine: An always-on research and development core that prototypes new fintech, agentic AI, and digital-twin simulations—so features evolve with the community’s real needs, not quarter-old playbooks.
Community Bank, Built Like a Tech Company
OpenQQuantify calls itself a “community bank” in spirit and product philosophy—a platform that rallies founders, engineers, creators, and local ecosystems. Practically, it operates as a technology company today, partnering where needed for regulated functions while building modern tooling that legacy stacks can’t deliver quickly. The goal is member-card simplicity—invest, get paid, pay others, and manage international agreements—without treating borders like brick walls.
The Founder Promise: Clarity, Speed, Interoperability
- Clarity: Total landed-amount pricing. No “$0 fee” with mystery FX.
- Speed: Corridor-aware routing, status webhooks, and predictable settlement windows.
- Interoperability: APIs, web apps, and agentic assistants that plug into your accounting, payroll, storefronts, marketplaces, and vendor stacks.
- Auditability: Human-readable policies and machine-readable logs so finance, legal, and compliance are on the same page.
Built For Real Life, Not Just Demos
Paul’s CIBC experience wasn’t a one-off edge case; it’s the daily grind for global teams. OpenQQuantify is engineered for cross-border payroll, vendor payments, investor remittances, affiliate and marketplace payouts, grant disbursements, and milestone-based contracting—the actual moves that keep modern businesses operational.
Responsible Ambition (Read This)
OpenQQuantify is a fintech technology startup, not a Schedule I bank. Rolling out full banking functionality involves regulated partnerships, licensing, and rigorous compliance. The difference is philosophical and practical: build transparently, publish what’s measurable, and design rails that respect both builders’ speed and regulators’ safeguards.
Call To Action
Founders, finance leads, and cross-border teams: if legacy policy stopped your growth the way it tried to stop Paul’s, join the build.
Book a strategy session: https://calendly.com/openqquantifyexecutivemeeting/businessdevelopment
Explore the platform: https://www.openqquantify.com/