A humanitarian currency for a new financial era
Empowering Lives, Beyond Banking
What is QARAYA?
QARAYA is the native currency of the Quantum Financial System (QFS), an independent, next-generation financial system designed for inclusion, dignity, and stability.
It is not a cryptocurrency.
It is not issued by private banks.
It is a sovereign, asset-backed currency, created to move value where it’s most needed, not where it’s most profitable.
What is the
Quantum Financial System?
QFS is a next-generation financial system designed for the world as it is, and the world as it should be, owned and operated by Quantum Legacy Foundation.
Built independently from traditional banking systems and cryptocurrencies, QFS enables instant, secure, and borderless financial operations on a global scale. Backed by central banks full integration and approvals, ran on a proprietary satellite infrastructure, QFS is designed to deliver real-time access to financial services, even in places where banking has never reached.
Why QARAYA?
QARAYA is the soul of QFS. It’s the interface between the financial system and people, projects, and purpose.
• Borderless accounts with no need for residency or paperwork
• Enables real use in humanitarian missions, rebuilding zones, and social entrepreneurship
• Allows donations, peer-to-peer giving, and project funding with no middlemen
• Built to scale for 1 billion users, across all languages and devices
• Completely integrated with the QFS core for instant transfers and stability
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Whether you are rebuilding Gaza, starting a small business, or supporting a family across the globe, QARAYA brings financial services where it’s most needed.
QFS provides the structure, QARAYA brings the heart.
The Meaning Behind the Name
QARAYA is a constructed word, drawn from ancestral languages and universal sounds:
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QARA – From Turkic, Arabic, and African roots, meaning deep, black, or origin — the fertile ground from which life begins.
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YA – A spiritual call, an invocation found in many traditions — the voice that reaches upward.
Together: QARAYA means
“The deep call” or “From the roots to the sacred.”
It’s a name that speaks of origin, resilience, and hope, a reminder that true value begins in human need and rises through shared care.
What QARAYA Enables
Global Access
Used within QFS accounts and cards, accessible globally, even for those without traditional banking.
Stability
Pegged 1:1 to the U.S. Dollar, ensuring stability in humanitarian and development operations.
Security
Backed by validated assets held by the Quantum Legacy Foundation, with no speculative trading.
"QARAYA is not from one language, it comes from the human heart. It is for all of us who believe in rebuilding what was lost, and in lifting one another with purpose.”
QARAYA Protocol
Fees Model and Long-Term Growth Reserve
Key Structure
Monthly Deposit of a Percentage of QFS Fees Income
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The Quantum Legacy Foundation will allocate a percentage of all QFS platform fee income on a monthly basis — starting at 0.5%.
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These funds will be deposited into the QARAYA Reserves, which will be both visible and audited.
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Purpose: To continuously strengthen the real-world backing of QARAYA, enabling a controlled increase in supply over time.
Value Peg and Increasing Supply
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QARAYA will remain pegged at 1 USD, fully backed by audited reserves.
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Internally, the reserves will gradually grow, allowing for expansion of supply as more assets are deposited.
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This benefits both individual holders and humanitarian project managers, who will receive increased allocations based on their holdings.
Early Multiplier and Future Distributions
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Current private offerings to selected community members are valued at 0.25 USD per QARAYA.
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By 2026, this backing will reach 1 USD, creating a 4x value gain for early holders.
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After QFS activation in 2026, the 0.5% monthly income allocation begins, accelerating reserve growth and enabling new QARAYA distributions proportionally based on user balances.
Benefits of the Model
QARAYA not just support,
but a foundation.
Eventually, QARAYA will be held by governments, institutions, and humanitarian organizations.
It will serve not only as a store of value but as a sustainable financial tool, generating stable income streams for those who align with its mission.
By becoming part of the QARAYA system, these entities will be empowered to fund their projects, support their staff and volunteers, and maintain long-term operations without reliance on unstable external donations or short-term funding.
Why QARAYA Matters
Because today’s financial systems don’t serve everyone.​
Because the excluded don’t need more theory — they need access.
Because wealth should not be a barrier to dignity.​
QARAYA is for:
Timeline for QFS and QARAYA Global Activation
Rollout will follow readiness and infrastructure milestones in each region.
Q1/Q2 2026
USA
EU
Turkey
BRICS
Middle East
North Africa
Q3/Q4 2026
Africa
South America
Canada
Mexico
Asia​
QFS Smart ATM
Your Bank, Anywhere
The QFS Smart ATM is a groundbreaking terminal that delivers instant access to the Quantum Financial System from any location in the world. It removes all traditional barriers to banking and makes financial freedom a reality, whether you’re in a major city, a remote village, or a post-crisis zone.
What You Can Do at a QFS ATM
Open a personal or project-based QFS account.
Deposit or withdraw local currency.
Receive your physical QFS card instantly.
Transfer funds instantly to anyone in the QFS network.
Check account balances and recent activity.
Support or launch humanitarian and business initiatives.
Designed for the Billions Without Banks
QFS Smart ATMs are part of a global rollout to ensure that every person, regardless of status or location, has immediate access to the financial tools they need to live, build, and thrive. From refugee camps to rural areas, these terminals create real-time financial connection without delay, middlemen, or gatekeeping.
This is not just an ATM.
It is an access point to a new financial era.
Community Early Access Invitation
QARAYA is not yet available to the public. This early access is a gesture of trust and recognition reserved for those who support our mission and choose to stand with us from the start.
You are invited to receive early access to QARAYA, the currency of the new Quantum Financial System (QFS), and be among the first ones to access a QFS account and Card with special benefits.
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This is not a request for investment.
We are not raising capital.
We are offering you the opportunity to participate in something meaningful from the very beginning and benefit from it.
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1 QARAYA = 0.25 USD
(exclusive rate offered now to our community)
Access for Everyone: The QARAYA Card System on QFS
QFS offers a flexible card program, making financial inclusion tangible. Whether you are a donor, a project leader, or a resident of an underserved region, there's a QFS card designed for your needs.
Even those without banking access can open an account and receive a QARAYA - QFS card, empowering billions previously left outside the global economy.
QARAYA is being offered to you not because we need your support, but because we recognize it.
This is your invitation to be part of the story from the beginning and to share in what’s coming.
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Those who participate now will benefit most as QARAYA enters circulation — with priority access, recognition in the ecosystem, and a foundational position in the financial model we are building for the world.
