Aetherum empowers credit unions to offer secure, compliant crypto-backed loans — unlocking new revenue streams while managing digital asset risk with our proprietary DACS framework.
End-to-end infrastructure for digital asset lending, risk scoring, and tokenization.
Enable members to borrow against Bitcoin, Ethereum, and other digital assets with automated LTV monitoring, margin calls, and liquidation safeguards — all within your existing core banking system.
Our Digital Asset Credit Score analyzes on-chain behavior across five pillars to deliver a comprehensive borrower risk profile purpose-built for crypto collateral.
Tokenize real-world assets like real estate, receivables, and treasury instruments to expand collateral options and create new secondary-market liquidity for credit unions.
Five on-chain pillars that quantify borrower trustworthiness beyond traditional credit metrics.
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.
Total addressable market weighting rewards high-utility, widely-adopted assets.
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