Quantum: From electronic invoicing to a complete financial workflow for SMBs in Spain

Issuing an invoice and managing a complete financial workflow are two very different things. For most businesses, the gap between the two is where time is lost, errors accumulate, and efficiency breaks down. Quantum, a fully cloud-based management platform serving accounting firms and SMBs in Spain, saw this clearly and decided to close the gap.

With Spain’s VeriFactu requirements still ahead of mandatory implementation, Quantum saw an opportunity to help businesses and accountants prepare while improving how they manage their finances today. By partnering with Swan to develop Q-Wallet, the team brought supplier payments, collections, and reconciliation into the same platform where businesses and their advisors already work.

E-invoicing: The first step, not the finishing line

Although mandatory implementation of Spain’s VeriFactu requirements are not yet in place, preparing for the change has already given Quantum a reason to rethink the invoicing workflow. Rather than waiting for the deadline, the team saw an opportunity to help businesses organize their financial processes ahead of it.

VeriFactu concerns the integrity and traceability of invoicing records. Alongside Spain’s move toward mandatory electronic invoicing, it has brought renewed attention to how invoices are created, managed, and connected to the rest of a business’s operations.

For Quantum, the opportunity goes beyond meeting a technical requirement: collecting payments, paying suppliers, managing treasury, and recording the corresponding accounting entries are all part of the same continuous process. Yet for most businesses, these steps still happen manually, across disconnected tools.

“The mistake is to think that the digitalization of the invoicing process ends with issuing the invoice.” — Marc Rius Parera, CEO at Quantum

Quantum has always kept the connections between these processes in mind. Rather than asking users to leave their platform to access a separate financial portal, handle operations manually, and risk introducing errors along the way, Quantum set out to keep the entire process in one place, helping businesses manage their finances with less friction while giving accountants a cleaner ledger, and more time to advise.

It only needed the right partner to make it possible.

The Q-Wallet Project: Closing the gap between invoicing and reconciliation

With Q-Wallet, businesses can manage payments and collection flows directly within the Quantum platform, alongside their invoicing and accounting. That’s possible because the solution brings together:

• Business accounts with local IBANs to send and receive payments through an account integrated into Quantum, keeping day-to-day payment activity alongside invoicing and accounting.
• Payment cards with payment controls to manage business spending, with rules that determine whether card transactions are accepted or declined.
• Virtual IBANs to help identify incoming transfers. Assigning a different IBAN to each client makes it easier to see who has paid, when, and how much, simplifying reconciliation.
• Online card payments to let customers pay through a payment link, which can be added to an invoice or shared directly, giving businesses another way to collect payments.

The result is a financial process that is not only simpler, but more reliable. Fewer manual steps mean fewer errors, and a more efficient, productive experience for every user.

“I believe this greatly simplifies the process. It provides significant legal certainty because it considerably reduces errors. And, of course, it brings efficiency, usability, and productivity to our users.” — Marc Rius Parera, CEO at Quantum

For accounting firms, that continuity also supports closer collaboration with clients. As Marc explains, one person may issue an invoice, another review it, and another handle the accounting, but they are all contributing to the same workflow. Working from the same up-to-date information reduces the need to exchange files or reconstruct what happened across separate tools, leaving more room for strategic advice.

The bigger picture: When invoicing becomes a complete financial workflow

Quantum's partnership with Swan shows what happens when digital invoicing evolves into a financial workflow. The benefits extend across the workflow

• Digitalizing invoicing means automating everything that follows.
• Users can pay and collect without switching to a separate tool.
• API connectivity links payments, reconciliation, and accounting automatically.
• Fewer manual steps make the process more secure and reliable.
• Users gain a clearer, more immediate view of their payment flows.

For businesses, advisors, and self-employed professionals, the entire financial workflow is now within reach in one platform, with real-time visibility. Preparing for regulatory change becomes an opportunity to improve that workflow today, rather than simply meet a future deadline.

The impact so far: Simplicity, reliability, and real-time visibility

Since its launch, Quantum has received positive feedback from its users. They have highlighted how much simpler the payment and collection process has become. Tasks that previously required switching between platforms, remembering account details, and completing multiple manual steps can now be done in a few clicks.

“It is not only about making the payment or receiving the funds. It is also about everything that follows, including the security of reconciling the payment or collection.” — Marc Rius Parera, CEO at Quantum

Real-time visibility of payment flows also gives accountants a clearer view of their clients’ finances. For instance, instead of contacting a business owner only to request the quarter’s invoices, an advisor can flag overdue payments and discuss how they could affect cash flow. The conversation moves from gathering documents to helping the business decide what to do next.

At Q-Wallet’s customer presentation in September 2026, more accounting firms and businesses expressed interest in trying the service than Quantum had expected. It is an early signal of interest, rather than a measure of long-term adoption, but one that reinforced the team’s confidence in the project.

For Quantum, embedded banking means more than connecting to accounts held elsewhere. It makes the business account part of its own product, giving Quantum greater control over how payment flows fit into the invoicing and accounting experience. Rather than adapting its workflows around a separate financial service, Quantum can design them as one connected process.

Why Swan: When technological depth meets trust and expertise

Q-Wallet was born from Quantum's automation vision and Swan's technology.

To develop the solution, the technological foundation was essential. Payment and account receivables is a sensitive area, and Quantum needed a partner that could provide the right guarantees.

Swan’s infrastructure brings together:

• Reliability, with structured transaction data;
• Control, with payment authorization and traceability;
• And scalability.

That combination allows Quantum to grow without the complexity of building its own financial infrastructure from scratch.

But technology alone was not what sealed the decision.

What also stood out is Swan’s approach to compliance: beyond providing APIs, Swan operates the regulated payment services behind the embedded business accounts, taking care of customer and business verification (KYC/KYB), anti-money laundering checks, sanctions screening, regulatory reporting, and the safeguarding of customer funds.

With compliance handled end-to-end, Quantum could focus on its software and customer experience without obtaining its own electronic money license or building the underlying regulated payment operation.

“For us, the trust that Swan placed in us from the very beginning was important. At the same time, the relationship that the teams tried to build from day one, as well as the support we received from Swan’s professional team throughout the project, really made a difference.” — Marc Rius Parera, CEO at Quantum

Swan offered the technological guarantees Quantum needed, and the human commitment that made all the difference.