The Crypto Lending Platform
That Explains Itself.

ERC-3643 + ERC-7943 compliant verification. Each member gets a portable ONCHAINID attestation — KYC verified, jurisdiction gated, collateral-scored on-chain. Built on the T-REX standard for regulated RWAs.

Encrypted risk assessment via homomorphic encryption — member financial data is never exposed in plaintext during underwriting.

The official Ethereum Universal RWA Interface — on-chain eligibility checks, regulatory freeze, and forced transfer, all delegating through three ERC-3643 compliance modules.

Aetherum deploys a ClaimIssuer and IdFactory contract on Base mainnet for each credit union — owned by the CU, not Aetherum. Member KYC eligibility is stored as a cryptographic claim on the member's ONCHAINID. Every claim issuance, transfer, and revocation generates an audit receipt for NCUA examination. Aetherum's signing authority is purpose-3 only and revocable by the CU at any time.

Per-credit-union identity infrastructure deployed on Base mainnet. Each member's KYC clearance is stored as a cryptographic claim on their ONCHAINID — owned by the credit union, enforced by the chain. Every claim issuance and revocation generates a tamper-evident compliance receipt for NCUA examination.

Auto-generated record after every scoring run — factor breakdowns, risk tier, peer comparison, plain-language rationale, and 12 CFR Part 723 citation. PDF export for NCUA submission.

Documented human-in-the-loop control over every position — NCUA-aligned event types, officer attribution, on-chain attestation, CSV examination export with Etherscan links.

379-entry security knowledge base spanning NCUA guidance, custody, BSA/AML, and the full SIG framework. A CU IT team can complete a full vendor security review without a call.

Pluggable multi-rail disbursement — USD & SGD across EVM networks, cross-chain transfer, and programmable MPC wallets. Migrating to Arc — The Economic OS · Stablecoin-native L1 — for USDC-native gas, sub-second deterministic finality, and native Circle-stack integration (USDC, CCTP, Gateway). Mainnet Q3 2026.

On approval, triggers white-label virtual card issuance funded by USDC disbursement. Member receives a branded credit union card instantly. Completing the borrow→disburse→spend loop for credit union members. Card partner: Nium (sandbox live, 200 OK confirmed). Rain MNDA signed.

Every position monitored 24/7 — finality-aware on-chain event processing, live LTV, DACS updated on every price move, institution-authorized liquidation control.

BTC and ETH collateral polled every 60 seconds via Blockstream and Alchemy — no third-party dependency. 30-day rolling volatility feeds DACS directly.

Three-tier human oversight: Tier 1 auto-executes, Tier 2 pages your risk officer with a 30-min window, Tier 3 requires officer authorization for $250K+ or 40%+ drops. Every action timestamped.

Review applications, assess DACS scores, manage active loans, and action margin-call alerts — purpose-built for crypto-collateralized lending.

Siloed KYC/AML queue, sanctions monitoring, and audit-ready reporting — full visibility and control without touching operational loan data.

Read-only audit dashboard scoped per CU. Live positions, LTV ratios, liquidation events, full BSA/AML trail. Zero custody access, zero execution permissions.

Consent-based visibility into the assets members already own — DACS eligibility scoring and an opt-in loan pipeline. See what's invisible today.