One operating layer
for global payroll

Collect employer funds, convert at a firm rate and pay locally.
Reconcile every payroll cycle from one platform.

Contact sales API platform

A sunlit colonnade with a city skyline beyond

CollectionsClient funding

Foreign exchangeFirm conversion

PayoutsLocal payroll rails

ReconciliationCycle reporting

Fund globally
pay locally

Payroll dates do not move. Each step below is built to land on them.

Fund

Employer money lands in named accounts, held under fiduciary obligation and never commingled.

GET/v1/exchange/quote

from_account=018c355c-2413-16df-509f… to_account=018c584f-158d-71ed-abe2… from_amount=25000000

200"exchange_rate": 0.8630, "to_amount": 21575000

Lock

Fix the rate before the run, so the cost of the cycle is known before it starts.

Foreign exchangeFirm conversionActive

PayoutsLocal payroll railsActive

ReconciliationCycle reportingActive

Pay

Distribute on salary-compliant local rails, timed to each market's payroll date.

Close

Every payment evidenced against its employer, market and cycle.

What every cycle needs,
from funding to proof

Employer funding

Named collection accounts holding funds under fiduciary obligation.

FX and payouts

Firm conversion, then payout on supported local rails.

Cycle control

Liquidity, status and reconciliation reporting for every cycle.

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: 6

Run every cycle
to the same deadline

Funds held under fiduciary obligation, converted at a firm rate, paid on salary-compliant rails.