A return to the roots of clearing.
We started Fuse to solve a practical problem. Companies entering MENA faced a wall of missing financial infrastructure. They lacked local accounts, direct clearing access, and a compliant way to move money in and out of the region.
But as we scaled and started clearing funds between global and local markets, we learned a critical lesson. The blockage was not the rails or the technology. It was incentives.
Banks exist to lend. Their model relies on balance sheet yield. In that system, clearing and treasury become secondary priorities to liquidity needs.
You cannot optimize for yield and velocity at the same time.
Software alone cannot fix a structural conflict. We needed a new institution designed for movement, not storage.
The story behind the name
In correspondent banking, ownership is everything. For centuries, bankers have used three Latin terms to define whose money sits in an account:
- Nostro (our money): Funds a bank holds at another institution.
- Vostro (your money): Funds that institution holds for the bank.
- Loro (their money): Funds held on behalf of a third party.
The distinction matters. Banks optimize for Nostro.
We chose the name Lorum (derived from Loro) because it defines our mandate. We are a specialist institution dedicated to multi-currency clearing and treasury for third-party funds.
- We do not lend.
- We do not compete for deposits.
- We do not take balance sheet risk.
Our sole purpose is ensuring "their money", your client’s money, moves from Point A to Point B with certainty, speed, and transparency.
From MENA to global infrastructure
Our evolution into a fully licensed correspondent network required a name that reflected our role as infrastructure.
Lorum returns to the fundamentals of clearing.
Through local licensing and direct scheme access, we built a single network for multi-currency operations. You can open named customer accounts in every market we operate, collect funds, and pay out locally while retaining full ownership of your customer relationships.
Market expansion should be as simple as one correspondent relationship, not hundreds.
What this means for our clients
Nothing changes in your day-to-day operations. Your API keys, account numbers, and pricing remain the same.
But strategically, this rebrand aligns our identity with the reality of what we have built. A bank-grade clearing and treasury network designed for institutions.
The rails aren't broken. They just need operators focused on the right thing. Not Nostro. Lorum.
