One operating layer
for digital platforms

Receive, hold, convert and send funds across markets.
Reconcile every movement to the customer, transaction or asset.

Contact sales API platform

A sunlit colonnade with a city skyline beyond

Named accountsCustomer funds

Collections and payoutsLocal and global rails

Foreign exchangeFirm conversion

ReconciliationTransaction-level reporting

Move money through
one operating layer

Different products create different transactions. The underlying operating work stays the same.

Receive

Funds arrive in named accounts with your customer or transaction reference.

POST/v1/accounts

{ "account_name": "Customer funds EUR", "currency": "EUR", "account_type": "virtual" }

201"status": "open", "default_details": { "iban": … }

Hold

Keep operational, client and safeguarded balances separate, on a non-lending, fully reserved model.

Foreign exchangeFirm conversionActive

PayoutsLocal and global railsActive

SettlementMulti-market movementActive

Move

Convert at a firm rate, then pay out or settle over supported local and global rails.

Reconcile

Match every movement to the customer, order, asset or operating cycle.

Built around the way
your platform moves money

Payroll and EOR

Fund cycles, convert at known rates, pay locally and reconcile by employer and cycle.

Marketplaces

Receive customer funds, pay sellers or service providers and reconcile by order and counterparty.

Trading and investment

Fund client accounts, move cash around subscriptions and redemptions and reconcile by client and transaction.

Real estate and fractional ownership

Receive funding, make distributions and reconcile by investor and asset.

A fully reserved model, running at scale

Reserve backing on every balance: 100%
Processed volume so far: $100bn+
Clients live on Lorum: 150+
Financial licenses: 5

Build money movement
into your platform

Named accounts, firm FX, local and global rails and transaction-level reconciliation through one institutional integration.