Quantoz launches embedded payment API platform with Potje as first client

Quantoz Payments has launched Embedded Payment Services, a modular API platform for fintechs, platforms and PSPs across the European Economic Area. Potje is the first live partner, using the regulated infrastructure for Pay by Bank top-ups, instant payouts and safeguarded user funds.

Why it matters: - Quantoz is moving beyond e-money token issuance into embedded payment infrastructure that fintechs and platforms can plug into directly. - The new stack is designed to reduce the work needed to launch regulated digital money, payments and compliance features in Europe. - Potje’s live launch is an early test case for how the platform performs in a consumer savings app.

What happened: - Quantoz Payments launched Embedded Payment Services, a modular, API-based offering for fintechs, platforms and payment service providers. - Potje is the first company live on the platform. - The announcement was made in Utrecht, Netherlands, on Sept. 9, 2026. - The platform is built to let partners embed regulated digital money, accounts, wallets, payments and compliance capabilities into products and workflows.

The details: - The service expands Quantoz’s product suite beyond regulated e-money tokens. - The platform is built for European markets and available to fintechs, platforms and PSPs operating across the European Economic Area. - The stack is modular, so partners can integrate only the components they need. - The modules include accounts and wallets. - The modules include payments and collections for inbound and outbound payments. - The payments module supports user-friendly methods such as Pay by Bank. - Fraud, risk and compliance processes are built into the platform as standard. - Quantoz says the goal is to help partners launch quickly without the licensing, onboarding and operational setup often tied to digital money and blockchain-based payments. - Potje users can top up through a Europe-wide Pay by Bank experience. - Potje users can receive instant payouts. - Potje users can withdraw any amount with full flexibility. - User funds are held at Quantoz Payments under supervision of the Dutch Central Bank. - Quantoz Payments is licensed as an Electronic Money Institution in the Netherlands and supervised by the Dutch Central Bank. - Funds received in exchange for e-money are safeguarded in a bankruptcy-remote structure under European regulatory requirements. - Quantoz’s embedded payment services operate under the company’s existing regulatory framework.

Between the lines: - The launch shows Quantoz packaging regulated infrastructure as a product layer for other financial apps, not just as a token issuer. - Potje’s role as first live partner suggests Quantoz is using a consumer-facing use case to prove out the platform. - The focus on safeguarding, supervision and instant movement of money speaks to demand for simpler regulated payment flows in Europe. - Arjen van Klaarbergen, CLO of Quantoz Payments, said embedded payments are becoming a core requirement for modern financial products. - Bastiaan Reurink, CEO at Potje, said the infrastructure gives users protected funds, seconds-fast top-ups and instant payouts.

What's next: - Quantoz said the service is available to fintechs, platforms and PSPs across the European Economic Area. - The company is positioning Potje as the first example of what additional partners could build on the stack. - Potje said it aims to become the group money account for friends across Europe. - More partners could follow if the modular platform proves easier to integrate than building compliant payment operations from scratch.

The bottom line: - Quantoz is turning regulated digital money into an embeddable product, with Potje now live as its first proof point.