The fiat infrastructure behind digital assets
Fiat on- and off-ramps, treasury and institutional settlement through one API.
Give every customer a named account
Issue named accounts through one API. Automate deposits, reconciliation and client-money segregation.
Launch new markets, not new integrations
Add currencies, accounts and payment rails through the same API as your digital asset platform expands.
Between accounts and wallets
Accept fiat deposits and return funds through local payment rails, with predictable settlement and reconciliation you can act on.
Built for regulated digital asset businesses
Build on the fiat layer
FAQs
Platforms issue named fiat accounts to their customers, take deposits over local rails, and settle withdrawals through the same API. Balances sit in named accounts rather than a pooled position, so deposits reconcile to a specific customer without manual references.
Accounts are issued in the end customer's own name, each with its own identifiers and individual KYC. Eligibility depends on the customer's jurisdiction and the outcome of due diligence.
Lorum provides the fiat side: collections into named accounts and payouts over local rails including Fedwire, ACH, SEPA, SEPA Instant, Faster Payments and CHAPS.
Each deposit arrives in an account belonging to one named customer, so attribution does not rely on payment references. Webhooks and statements carry the settlement identifiers your ledger needs to credit the right balance.
Adding a currency or rail is a configuration change inside the integration you already have, rather than a new banking relationship to negotiate and build.