INSTITUTION-GOVERNED · AUDIT-NATIVE
The Control Plane for
Institutional Digital Assets.
Identity and institutional authority, policy and transaction governance, controlled execution, audit evidence, and reconciliation — enabling lending, payments, tokenization, and settlement alongside existing financial cores.
12
DACS RISK PILLARS
28
USPTO APPLICATIONS FILED
5,000+
INITIAL CREDIT-UNION MARKET
01 · THE PLATFORM
Built for the member. Deployed for the credit union.
Aetherum is the orchestration and control layer for credit-union digital-asset financial services — connecting lending, payments, stablecoin money movement, wallets, risk, and compliance without replacing the core or the member relationship.
Lending
Digital-Asset-Collateralized Lending
Members can put eligible digital assets to work as collateral for credit while the credit union retains the member relationship, lending authority, risk framework, and institutional control.
Underwriting
Smart Review
AI-powered underwriting guidance evaluates the full borrowing position and explains it in plain language — recommended amount, risk level, and reasoning, instantly, at the point of decision.
PATENT PENDINGTax Intelligence
Tax-Position Score & Optimizer (TPSOE™)
Scores the tax efficiency of each collateral position and ranks pledge assets to minimize member tax liability — a feature no D2C competitor offers institutions.
PATENT PENDINGDebt Instruments
CU Debt Instrument — Audit-Native Tokenized Loan Participation
Aetherum's CU Debt Instrument module tokenizes pools of member loans as ERC-3643 debt tokens with three properties unique to regulated depositories: transfer-layer gating on regulatory counterparty eligibility (the "eligible organization" test as a condition of settlement), policy-gated default routing missed coupons and LTV breaches through TxGuard's pre-signing policy engine before liquidation, and examiner-native audit emission where every lifecycle event becomes a compliance receipt.
Governed Tokenization
Regulated Tokenization Control Plane
Connects institution-authorized asset state to ERC-7943-based on-chain issuance and lifecycle controls, with policy evaluation, controlled execution, reconciliation, and examiner-ready evidence around each material state transition.
LIVE · PATENT PENDINGParticipation Tokens
Compliance-Gated Digital Participation
Creates institution-scoped token representations for eligible instruments or series, carrying holder eligibility, separated administrative authority, transfer restrictions, redemption controls, and auditability into the on-chain lifecycle.
ERC-7943 · PATENT PENDING02 · DACS
A risk assessment model built for crypto collateral.
DACS quantifies a borrower's position beyond traditional metrics — in language the member can actually understand. Twelve pillars of crypto risk assessment, backed by a 28-patent-pending innovation portfolio, with a plain-language explanation behind every decision. Not a number on a screen; the reasoning behind it.
02 · DACS — THE TWELVE PILLARS
1Wallet Ageon-chain longevity
2Diversificationportfolio spread
3On-Chain Activityactive management
4Volatilitycollateral resilience
5Tax-Position ScoreTPSOE · patent pending
6TAM Bonusverified holdings
7On-Chain IdentityCUMember · patent pending
8Privacy ComputationFHE-DACS · patent pending
9Dynamic LTVDACS-LTV · patent pending
10Ledger Collateral Controlpatent pending
11XLS-66 LoanBrokerpatent pending
12Key Governance & Auditpatent pending
Tier 1 members access up to 70% LTV, Tier 2 up to 65%, Tier 3 up to 55% — enforced at the blockchain layer, no manual override.
03 · COMPLIANCE & ON-CHAIN IDENTITY
Compliance built in, not bolted on.
Identity
On-Chain Member Identity
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.
PATENT PENDINGPrivacy
Privacy-Preserving Underwriting (FHE-DACS)
Encrypted risk assessment via homomorphic encryption — member financial data is never exposed in plaintext during underwriting.
PATENT PENDINGEnforcement
ERC-7943 Collateral Token
The official Ethereum Universal RWA Interface — on-chain eligibility checks, regulatory freeze, and forced transfer, all delegating through three ERC-3643 compliance modules.
PATENT PENDINGCU Ownership
CU-Owned Identity Infrastructure
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.
ERC-734 / ERC-735 · Base MainnetInstitutional Identity
Institution-Scoped Member Identity
Aetherum's institutional identity framework keeps each member relationship within the credit union's policy and compliance domain. It supports consistent authorization, privacy-preserving verification, and examiner-ready accountability while the credit union retains control.
PATENT PENDINGIdentity V4
Policy Context Resolution
Resolves the institution and governed member context that applies before a regulated digital-asset operation proceeds, keeping authorization anchored to the correct credit-union relationship.
PATENT PENDINGPolicy / Asset Controls
Institution-Scoped Asset Governance
Defines which digital assets, operation types, limits, and policy conditions are permitted for a given institution before an action reaches execution.
PATENT PENDINGTxGuard
Pre-Execution Policy Enforcement
Evaluates required transaction controls before value moves, returns explicit authorization outcomes, and preserves audit-ready evidence for institutional review.
FAIL-CLOSED · AUDIT-NATIVEModular Smart Accounts
Bounded, Revocable Execution Authority
Applies institution-governed permissions to modular smart-account workflows, including ERC-7579-compatible architectures, while keeping institutional policy separate from the account implementation.
PATENT PENDINGERC-734 / ERC-735
ONCHAINID
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.
CU-OWNED CONTRACTSPATENTS PENDING04 · AUDIT-NATIVE INFRASTRUCTURE
Every decision examiner-ready from day one.
Receipts
On-Chain Compliance Receipts
SHA-256 hash of every decision written to Ethereum. Examiners receive a verification URL per decision; sensitive data stays off-chain. No other lending infrastructure provides this.
Explainability
DACS Explainability Layer
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.
PATENT PENDINGSupervisory
Supervisory Control & Audit
Documented human-in-the-loop control over every position — NCUA-aligned event types, officer attribution, on-chain attestation, CSV examination export with Etherscan links.
PATENT PENDINGDiligence
DDQ Engine
387-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.
LIVETransaction Security
TxGuard — Pre-Execution Control
Required transaction policy is evaluated before execution, with explicit authorization outcomes and examiner-ready evidence preserved around the decision.
PATENT PENDING05 · PAYMENTS, MONEY MOVEMENT & COLLATERAL OPS
Money moves. Policy stays in control.
Payments & Money Movement
Stablecoin Payments
Stablecoin disbursement and settlement across supported networks, with member-controlled wallet connectivity and regulated third-party infrastructure where required. Aetherum applies credit-union policy, compliance, servicing, and audit controls across the workflow.
LIVECard & Merchant Spend
Approved Credit to Everyday Spend
Connect institution-approved credit to card and merchant-spend workflows, creating a governed collateral → credit → card → merchant path for members.
INTEGRATION PROCESS UNDERWAYCollateral Risk
Collateral Intelligence Engine (CIE™)
Every position monitored 24/7 — finality-aware on-chain event processing, live LTV, DACS updated on every price move, institution-authorized liquidation control. Live staking yield feed for SOL collateral: APY sourced from Solana RPC (getInflationRate ÷ staking ratio), cached 2 hours, surfaced on the member dashboard.
PATENT PENDINGMonitoring
Native LTV Monitoring
BTC and ETH collateral polled every 60 seconds via Blockstream and Alchemy — no third-party dependency. 30-day rolling volatility feeds DACS directly.
LIVEOversight
Liquidation Escalation
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.
LIVE06 · WHO RUNS IT
A view for every seat at the credit union.
Lending
Loan Officer Portal
Review applications, assess DACS scores, manage active loans, and action margin-call alerts — purpose-built for crypto-collateralized lending.
Compliance
Compliance Officer
Siloed KYC/AML queue, sanctions monitoring, and audit-ready reporting — full visibility and control without touching operational loan data.
Regulatory
NCUA Examiner View
Read-only audit dashboard scoped per CU. Live positions, LTV ratios, liquidation events, full BSA/AML trail. Zero custody access, zero execution permissions.
Members
Member Crypto Insights
Consent-based visibility into the assets members already own — DACS eligibility scoring and an opt-in loan pipeline. See what's invisible today.
PATENT PENDING07 · HOW IT WORKS
Four steps. You own the relationship.
1
Member connects an eligible wallet or supported digital-asset account and enters the institution-governed workflow for lending, payments, or money movement.
2
Aetherum applies the credit union's product rules, identity, risk, DACS/LTV, and compliance controls and produces an explainable audit trail.
3
The credit union approves the financial product or transaction while Aetherum orchestrates the required payment, wallet, and digital-asset infrastructure.
4
Aetherum monitors the workflow, enforces institution-defined controls, manages exceptions, and records material events for servicing and examination.
Designed for supervised institutions. Aetherum operates as an orchestration and control layer. The credit union remains the regulated financial institution, product authority, and policy owner while the appropriate infrastructure handles asset and payment execution. Every material action is designed to produce examiner-ready evidence.
One governed infrastructure layer: digital-asset collateral, credit-union approval, payment and stablecoin rails, member-controlled wallets, and audit-native controls operate as parts of the same institutional workflow.
08 · INTEGRATIONS & HOW WE'RE PAID
LIVE INTEGRATIONS
Jack Henry FIN
5,000+ CUs reachable
Corelation KeyStone
~290 CUs day one
Fiserv AppMarket
DNA platform
FIS Code Connect
IBS Open APIs
XRPL / XLS-66
RLUSD loan currency
Pharos · Circle CCTP
USDC, live testnet
Mesh
Collateral Transfer Rail
Plaid
Bank Data Connectivity · Certified
Arc Transaction Memos
On-chain audit trail attached to every disbursement. Loan ID, member identifier, and branch code travel with the USDC transfer, indexed on-chain, readable by an NCUA examiner without querying a vendor database.
Sardine
COMPLIANCE & FRAUD INFRASTRUCTURE
Polygon Labs · OMS + Trails
Stablecoin disbursement and settlement infrastructure, with scheduled transfers and recurring-payment workflows being extended through member-controlled wallet permissions and Aetherum policy, compliance, servicing, and audit controls.
REVENUE MODEL
01Platform licensing fee (annual SaaS)
02Per-loan origination fee
03DACS API access for third-party integrations
04RWA tokenization service fees (coming soon)
05Yield deployment fee — 15 bps on annual yield from CU-owned collateral deployed to yield protocols via YieldGuardService
Credit unions keep 100% of loan interest income.
09 · GET IN TOUCH
Bring digital-asset financial services into your credit union.
Schedule a 30-minute demo.
We'll walk through digital-asset lending, card and payment workflows, stablecoin money movement, member-controlled wallets, DACS/LTV controls, and the audit-native compliance layer — and answer any diligence questions.
SCHEDULE A DEMOhello@aetherum.ai · aetherum.ai