PRODUCT OVERVIEW
The Crypto Lending Platform
That Explains Itself.
Every other platform is building faster pipes. Aetherum gives your members a lending decision they can actually understand — and that explanation is the moat.
12
DACS RISK PILLARS
15
PATENTS PENDING
5,000+
CREDIT UNIONS REACHABLE
01 · THE PLATFORM
Built for the member. Deployed for the credit union.
The market has been focused on speed for the institution. Aetherum is focused on trust for the member — and hands the credit union the infrastructure to deliver it.
Lending
Crypto-Backed Lending
Members keep their crypto exposure, avoid a taxable event, and get USD liquidity — all through their trusted credit union. Aetherum handles the infrastructure. You own the relationship.
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 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 15 patent-pending innovations, 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 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
342-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.
LIVE05 · SETTLEMENT & COLLATERAL OPS
Money moves. Collateral is watched.
Disbursement
Multi-Rail Stablecoin
Pluggable multi-rail disbursement — USD & SGD across EVM networks, cross-chain transfer, and programmable MPC wallets. Migrating to Arc mainnet Q3 2026 for sub-second finality.
LIVESurveillance
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.
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 deposits crypto collateral into an institutional custody wallet — held directly by the credit union, never by Aetherum.
2
DACS scores the borrower and Smart Review AI evaluates the application against NCUA guidance — returning a structured decision with compliance notes and a full audit trail.
3
The credit union issues the loan using existing infrastructure. Aetherum handles the rest.
4
Automated monitoring manages margin calls, top-ups, and liquidation if needed — with human oversight on every large position.
GENIUS Act ready. Aetherum was built inside the NCUA's regulatory perimeter — on-chain identity, per-CU custody, and compliance-first infrastructure designed to operate within supervision, not around it.
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
REVENUE MODEL
01Platform licensing fee (annual SaaS)
02Per-loan origination fee
03DACS API access for third-party integrations
04RWA tokenization service fees (coming soon)
Credit unions keep 100% of loan interest income.
09 · GET IN TOUCH
Bring crypto-backed lending to your credit union.
Schedule a 30-minute demo.
We'll walk through the platform live — DACS, Smart Review, the audit-native trail — and answer any diligence questions.
SCHEDULE A DEMOhello@aetherum.ai · aetherum.ai