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Lorum

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Lorum is the correspondent institution for banks and fintechs. It provides programmable access to global clearing, named custody, and treasury, on a non-lending, 100% reserve model. Payment platforms, PSPs, payroll and EOR providers, marketplaces, trading platforms and financial institutions use one Lorum relationship and one API to receive, hold, convert and pay out funds across currencies. Lorum connects directly to major and local payment rails, so clients can serve new markets without building a network of correspondent banks or setting up local entities. Client funds sit in named custody: segregated accounts held for each client, with virtual IBANs issued in the end customer's name where supported. Balances are never lent, so ownership of every balance stays clear and settlement stays predictable.

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