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 nine-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.
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 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.
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. 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 via ERC-3643 compliance modules. US jurisdiction verification and collateral LTV are set on-chain in real time.
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.
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.
Sardine-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.
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.
Nine pillars of crypto risk assessment, backed by 7 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 Plaid, enhancing the overall risk profile.
Patent-pending pillar. ERC-3643 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. 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.
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 compliance modules, on-chain KYC/AML attestation, DACS risk assessment model, and BitGo 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