Every other platform is building faster pipes. Aetherum gives your members a lending decision they can actually understand — and that explanation is the moat.
The market has been focused on speed for the institution. Aetherum is focused on trust for the member.
Your 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.
Our patent-pending ten-pillar risk model evaluates crypto collateral in real time. Every decision comes with a plain-language explanation the member can read and understand — not just a number on a screen.
Aetherum's TPSOE engine scores the tax efficiency of each collateral position and ranks pledge assets to minimize member tax liability. The Collateral Optimizer selects the optimal set for any loan request — a feature no D2C competitor offers institutions.
Before a member signs, Aetherum evaluates their full borrowing position and explains it in plain language. Recommended amount, risk level, and reasoning — delivered instantly, automatically, at the point of decision.
Tokenize real-world assets like real estate, receivables, and treasury instruments to expand collateral options and create new secondary-market liquidity for credit unions.
Aetherum operates as the LoanBroker in Ripple's XLS-66 Lending Protocol — managing DACS-gated loan origination, dual-party transaction authorization (BIDSF), and First-Loss Capital as a regulatory capital analog for NCUA-examined institutions. RLUSD as native loan currency. Live on XRPL testnet.
Live Pharos Atlantic Testnet integration — USDC contract wired, wallet generation, balance checker, and USDC disbursement demo. Powered by Circle CCTP.
Real-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.
ERC-3643 + ERC-7943 compliant identity verification for every borrower. Each member receives a portable ONCHAINID attestation — KYC verified, jurisdiction gated, and collateral-scored on-chain. Built on the T-REX standard and ERC-7943, the official Ethereum standard for regulated real-world assets — ensuring interoperability with any compliant wallet, custodian, or platform.
Encrypted risk assessment computation using homomorphic encryption — member financial data is never exposed in plaintext during underwriting. Patent Pending.
DACS risk tier automatically sets each member's on-chain loan-to-value ceiling — enforced at the blockchain layer via ERC-3643 + ERC-7943. Tier 1 members access up to 70% LTV, Tier 2 up to 65%, Tier 3 up to 55%.
A distributed ledger architecture that tracks collateral positions, enforces margin calls, and executes liquidation logic on-chain — giving credit unions a tamper-proof, auditable record of every collateral event from origination to resolution.
Automated on-chain attestation triggered by DACS scoring — members are registered as verified credit union participants directly on Sepolia and Pharos Atlantic Testnet via ERC-3643 + ERC-7943 compliance modules. US jurisdiction verification and collateral LTV are set on-chain in real time.
Official Ethereum Universal RWA Interface. Our collateral token implements IERC7943Fungible — on-chain eligibility checks, regulatory freeze, and forced transfer — all delegating through our three ERC-3643 compliance modules.
Every collateral position monitored 24/7. Finality-aware on-chain event processing, live LTV computation, DACS score updated on every price movement, and institution-authorized liquidation control — all automated. The always-on layer that makes crypto collateral operationally viable for credit union loan officers.
Real-time BTC and ETH collateral wallet surveillance polling every 60 seconds via Blockstream and Alchemy — no third-party monitoring dependency. 30-day rolling volatility feeds directly into DACS.
Three-tier human oversight: Tier 1 auto-executes standard positions, Tier 2 pages your risk officer with a 30-minute override window, Tier 3 requires explicit loan officer authorization for $250K+ or 40%+ price drops. Every action timestamped for NCUA audit.
Members earn yield on supported digital assets directly through the platform while maintaining collateral eligibility for crypto-backed loans.
Seamless on-chain and off-chain payment flows that let members move digital assets between wallets, fund loan repayments, and initiate transfers — all within your credit union's platform.
Integrated digital asset trading that lets members buy, sell, and rebalance their crypto portfolio directly through the Aetherum platform without leaving your credit union's ecosystem.
Real-time collateral surveillance for every active loan. Finality-aware on-chain event processing, live LTV computation, DACS score updates on every price movement, and institution-authorized liquidation control — all automated.
Automated tax-loss harvesting, gain/loss reporting, and collateral optimization tools that help members minimize their crypto tax liability at every step of the loan lifecycle.
AI-powered real-time fraud scoring and behavioral analytics monitor every transaction and onboarding event to protect your credit union and your members from bad actors.
Structured workflows for collateral disputes, liquidation events, and member escalations — giving your team a clear, auditable path from incident to resolution.
A dedicated dashboard for loan officers to review applications, assess DACS scores, manage active loans, and action margin call alerts — purpose-built for crypto-collateralized lending.
Siloed KYC/AML screening queue, sanctions monitoring, and audit-ready reporting tools that give your compliance team full visibility and control without touching operational loan data. When BTC drops 40% at 3AM, the three-tier escalation layer pauses liquidation automatically, fires Twilio SMS + email alerts to your risk officer, and blocks execution until a loan officer explicitly authorizes — every action timestamped for audit.
Read-only audit dashboard scoped per credit union. Live on-chain collateral positions, LTV ratios, liquidation events, and full BSA/AML audit trail — built for NCUA examination from day one. Zero custody access, zero execution permissions.
Unified member profiles combining traditional account data with on-chain wallet history, DACS eligibility scores, and loan activity — giving your team a complete picture of every borrower.
Pluggable multi-rail disbursement infrastructure supporting USD and SGD settlement across EVM-compatible networks — with cross-chain transfer protocol, programmable wallet provisioning, and international expansion capability built in.
Board-level cold storage with a two-tier on-chain signing hierarchy. Freeze authority is governed by role — loan officers, compliance teams, and board members each hold defined permissions. Compromised keys revoked instantly with no contract redeployment.
Instant answers to credit union IT and risk team security questionnaires. Built on 342 KB entries spanning NCUA regulatory guidance, Letters to Credit Unions (2016–2026), custody architecture, BSA/AML procedures, ERC-3643 + ERC-7943 compliance modules, and the full SIG security review framework. A CU IT team can complete a full vendor security review without a call.
Twelve pillars of crypto risk assessment, backed by 15 patent-pending innovations — quantifying borrower position beyond traditional credit metrics in language the member can actually understand.
Longevity of on-chain presence signals commitment and experience.
Portfolio spread across assets reduces single-point-of-failure risk.
Transaction frequency and patterns demonstrate active asset management.
Historical price stability of held assets informs collateral resilience.
Patent-pending pillar. Scores the borrower's embedded tax liability and collateral tax efficiency — ranking pledge assets to minimize tax cost at liquidation.
Traditional asset weighting rewards borrowers with verified brokerage holdings via our financial data connectivity layer, enhancing the overall risk profile.
Patent-pending pillar. ERC-3643 + ERC-7943 compliant identity attestation — KYC verified, jurisdiction gated, and collateral-scored on-chain via ONCHAINID.
Patent-pending pillar. Member financial data is encrypted before scoring — risk assessment computations are performed without exposing raw inputs at any step.
Patent-pending pillar. DACS risk tier automatically sets each member's on-chain LTV ceiling — Tier 1 up to 70%, Tier 2 up to 65%, Tier 3 up to 55%. Enforced at the blockchain layer via ERC-3643 + ERC-7943. No manual override possible.
Patent-pending pillar. A distributed ledger architecture for real-time collateral tracking, automated margin enforcement, and liquidation control — ensuring every collateral event is recorded on-chain with full auditability and no single point of failure.
Patent-pending pillar. Native on-ledger lending via the XRP Ledger XLS-66 protocol — DACS-gated origination, dual-party authorization, and First-Loss Capital management purpose-built for NCUA-regulated credit unions.
Patent-pending pillar. Two-tier on-chain key hierarchy with instant operational key revocation and an immutable audit trail independently verifiable by NCUA examiners — no platform API access required.
Stablecoin Infrastructure
Alliance PartnerPluggable multi-rail disbursement infrastructure supporting USD and SGD settlement across EVM-compatible networks — from loan origination through international cross-border delivery to the member's wallet.
Loan proceeds disbursed as dollar-backed digital currency. T+0 on-chain settlement. 1:1 USD peg. Monthly attestations. Eliminates ACH delays for member disbursements.
PATENT PENDING
Native burn-and-mint bridge moves digital dollars across blockchains without wrapping. Zero slippage. Member receives native digital dollars on their preferred chain — Ethereum, Base, Arbitrum, Avalanche, or Solana.
Embedded MPC-secured wallets provisioned automatically at member onboarding — no seed phrase required. Collateral held in the member's own address via smart-contract lock, satisfying NCUA beneficial-ownership standards. No omnibus account risk.
Multiple live stablecoin disbursement rails supporting USD and SGD settlement — enabling compliant loan proceeds delivery to bank accounts or blockchain addresses across EVM-compatible networks. Architecture is pluggable: new currency rails activate without contract redeployment.
Arc is the high-throughput EVM-compatible settlement layer built for institutional stablecoin flows. Aetherum will migrate stablecoin disbursements to Arc mainnet in Q3 2026 — delivering sub-second finality and near-zero gas costs across USD and SGD settlement rails for every credit-union loan.
Every lending decision cryptographically anchored on-chain and examiner-ready — built for NCUA examination from day one, not retrofitted after.
SHA-256 hash of every decision record written to Ethereum via AetherumComplianceReceipt.sol (UUPS upgradeable, AccessControl). Verification endpoint confirms integrity by recomputing the hash against the on-chain commitment.
PATENT PENDING
Structured DacsExplanation document auto-generated after every scoring run — designed for direct NCUA examination submission.
PATENT PENDING
SupervisoryHoldService provides documented human-in-the-loop control over every collateral position — purpose-built for NCUA examination.
PATENT PENDING
The NCUA's first GENIUS Act proposed rule closed its comment period on April 13, 2026. The final implementing regulations are due by July 18, 2026 — establishing the compliance framework for how credit unions participate in the digital asset economy.
Aetherum was built inside this regulatory perimeter. Our ERC-3643 + ERC-7943 compliance modules, on-chain KYC/AML attestation, DACS risk assessment model, and institutional custody architecture are designed to operate within NCUA supervision — not around it.
Three things the GENIUS Act framework confirms about how Aetherum is built:
Credit unions keep 100% of loan interest income.
Ready to bring crypto-backed lending to your credit union?
Email: hello@aetherum.ai
Web: aetherum.ai