Pre-seed · fixed income, rebuilt for retail
Yields your bank
keeps to itself.
Quanto moves idle cash into hedged sovereign debt and principal-protected notes most people can't reach — from a $0 minimum.
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The problem
$19.3Tsits in U.S. bank deposits earning almost nothing, while inflation compounds against it every day.
The strategies that beat it — hedged sovereign yields, principal-protected notes — trade on OTC desks behind private-bank minimums. Retail can't reach them. Quanto automates the credit analysis and currency hedging across 20+ sovereign issuers, and puts it on your phone.
The product
One account. Three ways to hold cash.
Every engine is automated end to end — you choose the mix, Quanto handles the credit analysis and hedging.
Hedged sovereign yields
Short-dated sovereign debt in high-rate markets, swapped back to USD with no FX risk. Default risk stays under 1% even in the highest-yielding markets we hold.
Principal-protected notes
Conditional income referencing gold, equity indices or crypto. Principal is returned at maturity — protection applies at maturity, issuer credit risk remains.
High-yield savings
Roughly ten times the national average savings rate, distributed across a network of FDIC-insured banks — the steady base layer under the other two engines.
Best yields by tenor
Indicative annualized yields, USD hedged.
Pulled from live sovereign markets, hedged to USD, ranked by tenor. This is the same table you'll see inside the app.
| Market | 1M | 3M | 6M | 12M |
|---|---|---|---|---|
| Nigeria | 14.8% | 16.3% | 15.1% | 13.6% |
| Pakistan | 10.2% | 11.1% | 10.6% | 9.8% |
| Egypt | 7.1% | 7.7% | 8.0% | 7.6% |
| Dominican Rep. | 6.2% | 6.5% | 6.8% | 6.7% |
| Singapore | 3.7% | 3.8% | 4.0% | 4.1% |
Risk
Default risk lower than 5-year Treasuries.
Implied probability of default over a three-month horizon stays under 1% — even in the highest-yielding markets we hold.
| Market | Hedged USD APR | 3M implied PD |
|---|---|---|
| Nigeria | 16.29% | 0.44% |
| Pakistan | 11.09% | 0.77% |
| Egypt | 7.73% | 0.71% |
| Dominican Rep. | 6.52% | 0.27% |
| Indonesia | 6.24% | 0.14% |
| United States | 3.76% | 0.02% |
Market-priced, not rated
Implied probabilities come from traded credit default swap prices, so they embed everything the market knows.
Short tenors only
Sovereign credit deteriorates over years, not weeks. Three-month exposure sidesteps most of it.
No FX exposure
Every position is swapped back to the base currency, so the return is a credit decision alone.
Evidence
Equity-like returns. Muted drawdowns.
Annual return, USD — Quanto compared with the S&P 500. Backtested, not live.
Quanto USD* is an equally weighted allocation to the 3 most attractive daily yields. Source: Bloomberg, Moody's.
Why now
Three things had to line up.
Infrastructure got cheap
Banking-as-a-service and KYC vendors now distribute FDIC-insured deposits and screen investors for roughly $1.60 per user.
Depositors shop for yield
After the fastest hiking cycle in 40 years, savers actively chase rates. Nubank added 15M Mexican customers on yield alone.
Reg D 506(c) opens the funnel
General solicitation to accredited investors is legal and unregistered. 18.5% of U.S. households now qualify — no banking licence, no broker-dealer build.
Access
Built for accredited investors.
General solicitation to accredited investors is legal and unregistered — no banking licence, no broker-dealer build. Here's who qualifies.
Income
Over $200K individually, or $300K jointly, for the last two years.
Net worth
Over $1M, excluding the value of a primary residence.
Role
Director, executive officer or GP of the issuer; knowledgeable employees of a private fund.
Licence
Series 7, Series 65 or Series 82 holders.