Account & wallet setup

The stack has two settlement rails, and they have different prerequisites:

• Part 1 — EURO account: needed for the MCP tools and the x402 euro scheme. Start here; most integrations need nothing else.
• Part 2 — Stablecoin wallets: only needed if you want to hold and spend EURQ/USDQ on-chain yourself (self-custody), or receive them as a merchant.

Part 1 — EURO e-money account

1. Download the Quantoz Wallet app

   • App Store (iOS)
   • Google Play (Android)

   The app is your consumer wallet. It holds your EURO balance, lets you scan QR codes to pay, and handles KYC.

2. Create an account (Tier 1 KYC)

   Open the app and enter your email address and phone number. That’s it for the first tier — no ID upload required to get started.

   KYC is required because EURO is a MiCA-regulated euro e-money token. It cannot be issued without identity verification.

3. Fund your wallet via bank transfer

   Transfer euros from your own bank account to the IBAN shown in the app. Funds arrive almost instantly via SEPA Instant.

   Your bank account IBAN is automatically whitelisted for payouts, so withdrawals go back to the same account.

4. Create an API key

   Go to portal.quantozpay.com and log in with the same credentials as the app.

   Navigate to API Keys → New key. Give it a label (e.g. my-agent), pick the scopes it needs (ReadOnly, InternalPayment, ExternalPayment), and copy the key — it’s shown only once.

   You’ll also need your account code (format: ACC_xxx) — find it on the Accounts page in the portal.

5. Set your environment variables

   QUANTOZ_API_KEY=qpay_live_...
   QUANTOZ_ACCOUNT=ACC_xxx
   QUANTOZ_BASE_URL=https://api.quantozpay.com

   These are the three variables the x402-quantoz-euro package reads automatically.

With this in place you can run the Quickstart (MCP) and pay x402 euro challenges — no crypto wallet required.

Part 2 — Stablecoin wallets (on-chain rails)

Skip this section unless you want self-custody EURQ/USDQ. Note that the rails are separate: a EURO account cannot pay on-chain addresses, so on-chain merchants can only be paid from a wallet holding the tokens.

Algorand

Your Algorand address must be KYC-whitelisted before it can send or receive EURQ/USDQ (ASA 2768422954 / 2768603795).

1. Create or pick an Algorand address

   Any Algorand wallet works. For agent-controlled wallets you can use the algorand-mcp tool in Claude Code:

   claude mcp add algorand-mcp -- npx -y algorand-mcp

   Then ask Claude: “Create a new Algorand wallet account” — the key is stored securely in your OS keychain.

2. Whitelist it

   In the Quantoz Wallet app, link the Algorand address to your verified account.

3. Fund it with EURQ

   Receive a transfer from an existing EURQ holder, or contact Quantoz for issuance against your verified account. (EURO cannot be converted by simply paying it to your address — e-money and stablecoins are separate rails.)

Tip

No ALGO needed for x402 payments — the facilitator sponsors all transaction fees. The wallet only needs Algorand’s minimum balance.

Ethereum / Polygon

EURQ and USDQ are standard ERC-20 tokens with EIP-2612 permit (6 decimals, token addresses in the x402 overview). No whitelisting is required.

• Any EVM wallet works — for agents, a plain private-key wallet is enough (EVM_PRIVATE_KEY for the x402-quantoz-euro package).
• No gas needed — x402 payments are signed as gasless permits; the facilitator submits the transaction and pays the gas. The wallet only needs to hold the tokens themselves.
• Getting tokens — receive a transfer from an existing holder, or contact Quantoz for issuance/redemption against your verified account.

Merchant checklist

To accept…	You need
EURO (x402 euro scheme)	Quantoz account + API key — see merchant guide
EURQ/USDQ on Algorand	A whitelisted Algorand receiving address (Part 2 above)
EURQ/USDQ on Ethereum/Polygon	Any EVM receiving address + the facilitator’s spender address

Next step

→ Quickstart — connect the MCP server and make your first payment.