Operate client money accounts across markets
Issue segregated virtual IBANs and safeguard funds on fully regulated infrastructure. Manage operations, escrow, and user balances from a single ledger.
Expand across markets, without the overhead
Access 30+ markets through one integration. No local banking setup, no additional licensing, full regulatory coverage.
Hold funds locally
Maintain regulated in-country balances without opening local entities or managing correspondent banks.
Segregate client funds
Store customer money separately under named, safeguarded accounts with full reconciliation and oversight.
Issue named accounts instantly
Create local-currency accounts for clients or end-users through one platform, ready for instant use and settlement.
Automate escrow and settlement
Manage conditional fund releases for lending, marketplaces, and trade finance under full regulatory oversight.
Turn FX into a profit centre
Convert, reconcile, and settle in one platform
Access institutional FX rates, automate sweeps, and manage liquidity across markets without leaving your treasury environment. Centralised, compliant, and built for scale.
“Lorum helped Sentvia enter new markets and take share very quickly. The partnership is built on trust and reliable payment capabilities, so we can focus on growth and know the back end works.”
Bank-grade controls, built in
Live notifications and webhooks for every movement. Track inflows, outflows, and settlement status with full transparency.
Maintain a complete audit trail across all transactions, with configurable user permissions for finance, ops, and engineering teams.
Test settlement flows, webhooks, and ledger movements safely in a full staging environment before going live.
Generate jurisdiction-specific reports and reconciliation files aligned to treasury and finance standards.
Enter new markets with speed and certainty
FAQs
We support operational accounts for your own funds, client master accounts, named virtual accounts for end customers, and escrow arrangements where required. All built on one infrastructure.
Once your institution is onboarded, new virtual accounts can be created in seconds through the API or portal. This makes it practical to issue accounts at scale across products and customer segments.
Yes. Accounts carry local clearing details where supported, such as IBANs, sort codes, or equivalent local identifiers. This lets you receive and send payments as a local participant in each market.
We support major and local currencies. You can open accounts in each currency you need, then manage them from a single ledger and interface.