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.
Core
GOVERNANCE & EVIDENCE
28
USPTO APPLICATIONS FILED
Modular
PAYMENTS & LENDING
01 · THE PLATFORM
One institutional platform. Multiple financial applications.
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.
FOUNDATIONAL PLATFORM
Core Governance & Evidence
Institution-scoped identity, policy evaluation, pre-execution authorization, and linked audit evidence form the common platform.
APPLICATION MODULE
Stablecoin Payments & Settlement
Orchestrate approved money movement through supported providers, with institutional approvals, transaction status, exception handling, and reconciliation.
APPLICATION MODULE
DACS Lending & Collateral Risk
Support institution-originated lending with collateral risk assessment, LTV controls, and officer review. The institution remains the lender and decision authority.
SCOPED DEPLOYMENT
Governed Tokenization
Institution-authorized asset lifecycle controls and evidence. Commercial deployment follows a funded use case and readiness review.
SUPPORTED INTEGRATIONS
Provider-Neutral Orchestration
Connect institutional decisions to supported wallets and financial networks. Execution providers retain their contracted responsibilities.
SOFTWARE INFRASTRUCTURE
Institution-Owned Authority
The institution retains the product, customer relationship, policies, approvals, and authoritative financial records.
02 · 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, part of a company portfolio of 28 filed patent applications, 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, under institution-defined supervisory controls.
03 · INSTITUTIONAL CONTROLS
Institution-owned authority. Enforced before execution.
Identity & Authority
Institution-scoped identity and permissions establish the relationship relevant to a governed operation.
Policy & Asset Controls
The institution defines eligible assets, operations, limits, and conditions within supported workflows.
TxGuard
Required policy is evaluated before supported execution. Explicit outcomes preserve decision context.
Bounded Permissions
Supported wallet and smart-account workflows use limited, revocable permissions.
Separation of Duties
Policy ownership, approval authority, execution, and evidence review have defined responsibilities.
Deployment Evidence
Validate control effectiveness and provider dependencies for the specific environment.
04 · AUDIT-NATIVE INFRASTRUCTURE
Evidence linked to the governed workflow.
Decision Context
Preserve the institution, applicable policy, authorization outcome, and responsible actor.
Execution & Reconciliation
Connect the decision to transaction status, confirmation, reconciliation, and exceptions.
Institutional Review
Provide authorized operations, risk, and compliance teams evidence appropriate to their roles.
Diligence Scope
Review implementation evidence, security documentation, and provider responsibilities. Demonstrations do not complete vendor risk review.
05 · 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.
DEPLOYMENT SCOPE VARIESCard & 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™)
Collateral monitoring, LTV evaluation, and escalation support institution-defined risk controls in the configured lending workflow.
PATENT PENDINGMonitoring
Native LTV Monitoring
Supported data feeds inform collateral risk monitoring. Coverage, freshness, and dependencies are validated for the deployment.
DEPLOYMENT SCOPE VARIESOversight
Liquidation Escalation
Institution-defined escalation and approval rules govern collateral actions, with evidence of the actor and decision outcome.
DEPLOYMENT SCOPE VARIES06 · 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
INTEGRATION PATHS · STATUS VARIES
Jack Henry FIN
Banno sandbox path
Corelation KeyStone
Technical review path
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
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.
Compliance Infrastructure
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)
02Optional Payments and DACS Lending modules
03One-time scoped implementation and onboarding
04Transparent usage tiers and supported API access
05Account expansion after measured deployment value
Aetherum earns software revenue. Institutions own their financial products; fees and provider costs are defined in contract.
09 · GET IN TOUCH
Bring digital-asset financial services into your credit union.
Schedule a 30-minute demo.
We start with your intended outcome, then demonstrate institutional policy, authorization, supported execution, and audit evidence. Scope, provider dependencies, readiness, and operating costs are reviewed before a pilot.
SCHEDULE A DEMOhello@aetherum.ai · aetherum.ai