Aetherum brings digital-asset lending, payments, stablecoin money movement, member-controlled wallets, and audit-native compliance together within one institution-governed infrastructure layer.
Credit unions retain the member relationship, lending authority, risk framework, and institutional control while Aetherum provides the specialized policy, compliance, and orchestration layer.
Every financial workflow governed. Every material decision explainable. Every action examiner-ready.
Your existing infrastructure wasn't designed for digital assets. Adding crypto capabilities typically means expensive, risky core overhauls.
Unclear regulatory frameworks and evolving security requirements make digital asset adoption feel like a minefield for compliance teams.
Deposits are migrating to fintechs, neobanks, and crypto exchanges that offer yield and modern digital experiences your members expect.
Tight budgets, long vendor contracts, and limited tech resources make it nearly impossible to compete with fintech-level product speed.
AI-driven lending with dynamic LTV ratios and real-time rate adjustments. Members borrow USD against BTC, ETH, and other assets — no liquidation surprises.
DACS ScoringAutonomous collateral monitoring, yield optimization, risk alerts, and compliance automation. Your team gets institutional-grade coverage without the headcount.
Always OnMember-controlled wallet infrastructure with institution-governed permissions and regulated third-party infrastructure where required by the financial workflow. Embedded KYC/AML supports real-time transaction monitoring and compliance evidence. Three-tier liquidation escalation ensures no large position is auto-sold without human sign-off — Tier 1 auto-executes standard conditions, Tier 2 pages your risk officer with a 30-minute override window, Tier 3 requires explicit loan officer authorization.
CU-Owned CustodyA member's relationship with the credit union persists across wallets, custodians, and rails. The institution remains in control of authorization while sensitive compliance evidence stays protected off-chain and examiner-ready.
PATENT PENDINGIntelligent lending that meets members where they are — with guidance built into every step of the loan journey.
LIVEREST APIs and middleware layer onto your existing banking core — Symitar, DNA, Corelation KeyBridge (certified integration live), or others. No rip-and-replace. Go live in weeks, not years.
Plug & PlayBranded member-controlled wallet experiences with bounded, revocable permissions and payment connectivity — within institution-governed workflows under your credit union's brand.
White LabelThe TPSOE engine and Collateral Optimizer rank collateral by tax efficiency so members borrow smarter — not just more. No B2B competitor offers this to institutions.
PATENT PENDINGThree dedicated dashboards for your team — Loan Officer review queue, Compliance Officer KYC/sanctions screening, and Member Management — all siloed for proper separation of duties.
LOAN OFFICER · COMPLIANCE · MEMBERSReal-time visibility into the digital assets your members already own — before they need a loan. Consent-based wallet connections, DACS eligibility scoring, and opt-in loan pipeline. See what's invisible today.
OPT-IN INTELLIGENCE · PATENT PENDINGMember financial data remains encrypted throughout the entire risk assessment process. Lending decisions are computed without exposing raw inputs — ever.
PATENT PENDINGDACS risk tier automatically sets each member's on-chain loan-to-value ceiling — enforced at the blockchain layer via ERC-3643. Tier 1 members access up to 70% LTV, Tier 2 up to 65%, Tier 3 up to 55%. No manual override possible.
DACS-LTV · PATENT PENDINGEvery collateral position monitored 24/7. LTV recomputed continuously against live prices. Margin calls flagged automatically before they become losses. For SOL collateral, live staking yield is sourced directly from the Solana RPC — estimated APY displayed alongside position value on the member dashboard.
LIVE · SOL STAKING YIELD PATENT PENDINGReal-time collateral wallet surveillance — BTC and ETH balances checked every 60 seconds via blockchain-native APIs. 30-day rolling volatility feeds directly into DACS scoring. No third-party monitoring dependency.
LIVE PATENT PENDINGThree-tier human oversight: auto-execute under $50K, notify-and-delay with 30-min countdown for mid-range loans, full loan officer authorization required for $250K+ or 40%+ flash crash. Every decision logged for NCUA audit.
LIVE PATENT PENDINGBuilt-in NCUA Examiner View gives regulators read-only, per-CU audit access to live collateral positions, LTV ratios, and BSA/AML event history — zero custody access, zero execution permissions.
GENIUS ACT · BSA/AMLEvery attestation, key rotation, and collateral event recorded immutably on-chain with signing key, timestamp, and transaction hash. NCUA examiners query it directly — no Aetherum API access required.
NCUA EXAMINATION READY · PATENT PENDINGProprietary compliance modules deployed on Ethereum — USJurisdiction, CollateralLTV, and CUMember attestation. Every loan application triggers a live on-chain check, verifiable on Etherscan. Aetherum's AetherumCollateralToken implements ERC-7943 — the official Ethereum standard for regulated real-world assets — ensuring interoperability with any compliant wallet, custodian, or platform.
TRUSTLESS BY DESIGN PATENTS PENDINGBanno plugin built and live in Jack Henry Garden sandbox. Fiserv DNA AppMarket listing in process. Corelation KeyBridge technical review underway. FIS Code Connect registered — IBS integration panel live in demo environment. No core banking changes required for the credit union.
JACK HENRY FIN CERTIFIEDFreeze authority is governed by role — not by a single admin key. Loan officers, compliance teams, and board members each hold defined permissions on-chain. Every compliance event persisted with timestamp and signing key hash — exportable for NCUA examination.
PATENT PENDINGLive Pharos Atlantic Testnet integration — USDC contract wired, wallet generation, balance checker, and USDC disbursement. Active blockchain layer alongside Ethereum Sepolia and Arc Testnet.
CIRCLE CCTP LIVEArc Testnet integration live (Chain ID: 5042002). Circle's purpose-built L1 blockchain where USDC is the native gas token — eliminating ETH dependency for credit union compliance. Sub-second deterministic finality. Migrating USDC collateral settlement to Arc mainnet Q3 2026.
ARC TESTNET LIVE MAINNET Q3 2026Multi-rail stablecoin disbursement infrastructure — StraitsX (XSGD/XUSD) live as the international expansion rail, enabling cross-border SGD and USD settlement across EVM-compatible networks and compliant digital currency delivery directly to credit union members.
MULTI-RAIL · LIVEExisting OMS infrastructure supports stablecoin disbursement and settlement. Aetherum is extending this layer toward scheduled transfers and recurring-payment workflows using member-controlled wallet permissions and institution-governed policy, compliance, and servicing controls.
DISBURSEMENTS · SETTLEMENT · RECURRING WORKFLOWS INTEGRATION UNDERWAYConnect approved credit to card and merchant-spend workflows, allowing members to move from digital-asset collateral to institution-approved credit to everyday purchasing within the same governed experience.
COLLATERAL → CREDIT → CARD → MERCHANT PATENT PENDINGFine-tuned AI underwriting model trained on 60 NCUA Letters to Credit Unions, the NCUA Examiner's Guide, and institutional lending policy. Returns structured decisions — APPROVED, CONDITIONAL, or DENIED — with risk flags, compliance notes, and a plain-English member explanation. Every decision is logged with full audit trail for NCUA examination.
PATENT PENDINGEvery DACS assessment, loan decision, and collateral event hashed and written to Ethereum. Tamper-evident. Examiner-ready. No other lending infrastructure provides this.
PATENT PENDINGEvery risk assessment generates a structured underwriting record with factor breakdowns, regulatory basis citations (12 CFR Part 723), and PDF export. Built for NCUA examination, not after it.
PATENT PENDINGCredit union officers maintain documented human-in-the-loop oversight over every collateral position, with NCUA-aligned reason categorization and on-chain attestation for every supervisory action.
PATENT PENDINGEvery member's crypto lending eligibility is backed by an on-chain identity contract — owned by the credit union, not Aetherum. KYC clearance is silently translated into a cryptographic claim. Compliance is enforced at the chain level, not the application level.
LIVE ON BASEAudit-native tokenized loan participation. Tokenizes pools of member loans as ERC-3643 debt tokens with three properties unique to regulated depositories: regulatory-counterparty gating at the transfer layer, policy-gated default via TxGuard's pre-signing engine, and examiner-native audit emission on every lifecycle event.
DACS is Aetherum's patent-pending risk assessment engine that evaluates crypto collateral in real time across ten weighted dimensions. Unlike static LTV models, DACS continuously recalibrates to protect your credit union and optimize borrower terms. All risk computations are performed on encrypted inputs — member financial data is never exposed during the assessment process. Member risk assessments trigger automatic on-chain identity attestation via ERC-3643 compliance modules.
Define lending, payments, wallet, and compliance workflows around your credit union's policies.
Connect Aetherum to the core, identity, payment, and digital-asset rails required for the selected product — without replacing the core.
Configure eligibility, limits, authorization, monitoring, compliance evidence, and examiner-ready controls.
Launch the selected member workflow with credit-union dashboards, controls, monitoring, and ongoing support.
Regulated finance can't run on "trust us." Aetherum is engineered so lending, payment, wallet, and compliance workflows produce evidence — not just transactions. Every material decision is designed to be traceable to policy and built to withstand institutional review.
Every control and every finding maps to a documented rule an examiner can follow.
Risks resolve when they're demonstrably closed, not when a scan looks clean.
The clarity a regulator sees is the clarity your members get.
See how Aetherum brings lending, payments, stablecoins, wallets, and compliance together within one institution-governed infrastructure layer.