The myth of the QFS: between revolutionary promise and technological reality

For years, the quantum financial system (QFS) has circulated in crypto circles as THE solution that will destroy SWIFT and purge banking corruption. Spoiler: no concrete evidence exists.

What we really know

The theoretical QFS combines AI and quantum computing to process transactions without intermediaries. Beautiful on paper, but in practice? Governments and banks are not ready for this quantum leap.

What really emerges is the CBDC (central bank cryptocurrencies). According to the CBDC Tracker, the majority of countries are developing a version. China is moving forward, Europe is following, the United States is hesitating.

The true silent revolution

While the QFS remains an unconfirmed theory, financial institutions are quietly moving:

• Banks are testing quantum computing internally
• The blockchain progressively secures transactions
• The AI analyzes the wallets and optimizes the pricing

It's fragmented, less sexy than a unified system, but it works.

The real issue

Forget QFS, look at CBDCs. They represent the real challenge to the financial status quo. Crypto-friendly or not, the finance of tomorrow will be digital, but probably controlled by central banks — not by miracle quantum technology.

The future is not a system. It is a slow transition to state digital currency.