Questions banks ask

Who is SQRL Markets for? Banks, payment companies and liquidity desks that move money across borders. You run a SQRL hub, hold stablecoin liquidity in it, and price the corridors your counterparties pay through.

Do you take custody of the liquidity? No. The hub's keys are yours. Liquidity sits in Lightning channels between your hub and each counterparty, and closing a channel returns its balances to you on-chain.

How is a corridor priced? From reference rates for the two currencies, plus the spread and fee you set. Each corridor carries its own per-payment and daily caps, and can be paused or halted from the desk at any time. See Pricing.

What happens when a payment is held? A payment stopped by screening or a limit waits for someone with the right role to release or decline it. If nobody decides within the workspace's hold expiry, the sender is refunded automatically, so funds are never left in limbo. See Holds and decisions.

What happens if the hub goes offline? Funds do not depend on the hub staying up. Every channel can be closed on-chain, returning each side's balance to its own wallet. The worst case is waiting for Bitcoin confirmations. The desk alerts you when the hub stops reporting.

Can other banks see our balances? Not if you run on your own banking subnet. Your contracts and balances stay on infrastructure you control, visible only to your subnet's members. Outsiders see state-root commitments anchored to Bitcoin, which keep your ledger deterministic and verifiable, and value still routes to other banks through the canonical ledger.

How final is a payment? A Lightning payment settles in seconds, with every leg and the conversion keyed to one payment hash. Net positions settle back to Bitcoin in channel closes and batch settlement, with Bitcoin's confirmation-depth finality behind them. See Batch settlement and finality.

Can my own systems or agents use the desk? Yes. See Agents and automation.