Effective Date: March 10, 2026
Nothing on this website or within the Aetherum platform constitutes financial, investment, tax, or accounting advice. The information provided is for general informational purposes only and should not be relied upon as a basis for making any financial decisions. You should consult with qualified professionals before making any financial decisions.
Aetherum, Inc. is a technology company, not a financial institution. Aetherum does not:
All lending decisions are made solely by the credit union or institutional partner using the Aetherum platform. Aetherum provides the technology infrastructure; the Institution provides the financial services.
Nothing on this website or within the Aetherum platform constitutes legal advice. Information regarding regulatory frameworks, compliance requirements, and legal structures is provided for informational purposes only. Institutions should consult qualified legal counsel for guidance on compliance matters.
Important: The Dynamic Asset Collateralization Score (DACS) is a proprietary risk assessment model developed by Aetherum. It is not a credit score and does not constitute a consumer report under the Fair Credit Reporting Act (FCRA).
The DACS model evaluates cryptocurrency portfolio characteristics to generate a risk assessment for the collateral backing a potential loan. It does not evaluate a consumer’s creditworthiness, payment history, or other traditional credit factors.
The credit union retains full authority over all lending decisions. The DACS score is one input among many that an institution may consider, and the institution is solely responsible for its lending criteria and decisions.
Cryptocurrency and digital assets involve significant risk, including but not limited to:
This website and related materials may contain forward-looking statements regarding Aetherum’s plans, projections, and expectations. These statements involve known and unknown risks and uncertainties and are based on current expectations that may not prove accurate. Actual results may differ materially from those projected. Aetherum undertakes no obligation to update forward-looking statements.
Any investor-related materials, pitch decks, or financial projections on this website or shared by Aetherum are provided for informational purposes only. They do not constitute an offer to sell or a solicitation of an offer to buy any securities. Securities have not been registered under the Securities Act of 1933, as amended, or any state securities laws.
The Aetherum platform integrates with third-party services including Plaid, BitGo, and Sardine. The availability, accuracy, and performance of these third-party services are not guaranteed by Aetherum. Service disruptions, API changes, or discontinuation of third-party services may impact platform functionality.
Aetherum is not responsible for the practices, policies, or actions of third-party service providers.
Aetherum is a software provider, not a regulated financial institution. We are not licensed, chartered, or registered as a bank, credit union, broker-dealer, investment advisor, money transmitter, or any other type of regulated financial entity.
The regulatory landscape for cryptocurrency and digital asset services is rapidly evolving. Regulatory developments at the federal, state, or international level may impact the Aetherum platform and the services available to partner institutions.
While we make reasonable efforts to ensure the accuracy of information on this website, we do not warrant that all information is complete, current, or free from errors. Website content may be updated without notice. Product features, integrations, and capabilities described on this website may be subject to change.
The Aetherum platform is designed for use by U.S. credit unions and institutional partners operating within the United States. We make no representation that the platform or website content is appropriate or available for use in other jurisdictions.