QAI entered as access to algorithmic trading. In 2026 exchanges converted it one-for-one into QFI while Quantix recast itself around lenders, borrowers and credit delegates. The number survived; the product promise did not.
Ethereum QAI appeared in 2024 with an 18-decimal, 10 million-cap contract. Exchange copy linked it to AI trading, while the published code supplied transfers and approvals rather than an algorithm or vault.
The token could trade before outsiders could verify the service it was meant to unlock. Its market identity was clearer than the product behind its name.
In March 2026 MEXC and BitMart converted QAI to TRON QFI and closed legacy deposits. Trading resumed in April under the new contract, now attached to private credit rather than trading access.
New documents divide the work among borrowers, credit delegates and lenders. Delegates assess and monitor loans; lenders receive interest actually recovered after fees. QFI itself is not the loan asset and receives no lender interest.
The new plan describes 5 million QFI across TRON and BNB Chain and reports 1.5 million circulating at the time of publication, rather than establishing circulation at launch. It also sets out team vesting and no staking emissions; that issuance policy does not rule out every possible future reward mechanism. Future governance thresholds remain design parameters until a public voting venue executes them.
During review the application returned 503, public pool and signer addresses were absent, and assurance pages described audits as pending. QFI’s move into private credit is documented; a functioning public credit market remains the next event to prove.
The 10 million-cap token enters with an AI-trading identity.
Exchange material still presents algorithmic-trading access.
The project describes private testing and future governance.
Legacy balances convert one-for-one to TRON QFI.
Exchanges reopen QFI and stop legacy deposits.
TRON and BNB allocations, vesting and zero staking emissions are documented.
Last evidence review: 2026-09-04
Quantix Finance is the current name of QuantixAI. The legacy asset was a 10-million-supply Ethereum ERC-20 called QAI. Exchanges completed a 1:1 migration in March-April 2026 to QFI on TRON contract TMVnKncD9NhAYEPoR6EutBrAKi8x6oZdR6. Current tokenomics also lists one million QFI on BNB Chain, within a five-million aggregate post-burn cap.
The product described today is on-chain private-credit infrastructure rather than an AI trading token. Retail pages advertise stablecoin vaults; institutional documents define lenders, borrowers and delegates in managed credit pools. QFI is an ecosystem and future-governance token, but it is not required for lending, receives no loan interest and currently carries no live token-weighted vote.
Private credit joins two systems that fail differently. Smart contracts can record collateral, deposits and repayments, but underwriting and legal enforcement still rely on people, documents and jurisdictions. Quantix assigns delegates to assess borrowers and supply first-loss capital, while a Master Loan Agreement creates the borrower's legal obligation.
That model can improve visibility without making credit automatic or riskless. Pool liquidity can be deployed, withdrawals can queue, collateral can fall too quickly, and legal recovery can cross borders. The current site calls vault yield predictable or fixed, while the detailed documentation says returns reflect what borrowers actually pay and are not guaranteed.
A delegate admits and structures a borrower, sets pool terms, monitors the facility and usually commits junior capital. Lenders supply a settlement asset and receive their pro-rata share of collected interest after performance and underwriting fees. On default, collateral is liquidated first, then delegate first-loss absorbs losses, then lender principal is exposed; any remaining remedy depends on the MLA.
QFI's documented supply began at 10 million. The project links a five-million burn and now states a five-million fixed aggregate: four million TRC-20 and one million BEP-20. It states no further minting and no staking or farming emissions. A token holder does not automatically become a lender, receive pool revenue or own the lending entity.
Control remains operationally centralized. The core team admits pools and delegates and stewards parameters. Documentation describes 2-of-3 multisig and 24-48-hour timelocks for upgrades, parameter changes and pauses, but does not publish the credit-contract addresses or signer set needed to verify those controls. Future Phase 2 voting parameters do not make voting live today.
It is the documented predecessor. Exchanges converted old Ethereum QAI to new TRON QFI at 1:1 in 2026. Network and contract matter because old QAI deposits are no longer supported by those venues.
That was the legacy narrative. Current official materials center on stablecoin vaults and delegate-managed private credit. They do not publish enough model, training, validation or production evidence to verify an AI underwriting engine.
No. Documentation says borrower interest is paid in the pool settlement asset to lenders after fees. QFI ownership alone carries no loan-interest or protocol-revenue claim.
No current mechanism is documented. Tokenomics states no staking or farming emissions and says any future staking or fee-funded mechanism would require governance and new documentation.
No. Marketing uses fixed or predictable yield language, but the lifecycle documentation says lenders receive what borrowers actually pay and that neither yield nor withdrawal timing is guaranteed.
The core team currently controls parameters, pool and delegate admission and direction. Token-weighted voting is a future phase. Privileged actions are described as multisig-and-timelock controlled, but the deployment evidence needed to verify that is incomplete.
A website badge says audited, but the newer assurance page lists CertiK's review as in progress and its report as pending. No completed report was verified, so the narrower status governs this dossier.
The documented waterfall uses collateral first, then delegate first-loss capital, then lender principal. The MLA may add legal recourse, but recovery can be slow and the new GMC jurisdiction lacks an established enforcement record.
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