Aetherum is a crypto-collateralized lending platform purpose-built for NCUA-regulated US credit unions. Credit union members use BTC or ETH as collateral to access loans disbursed in stablecoins - directly through their credit union, using existing lending licenses, with no new regulatory burden on the institution. Aetherum is the infrastructure layer. The credit union is the lender. Stablecoin infrastructure serves as the settlement layer.
Developer-controlled wallet infrastructure underpins disbursement and settlement for every loan on the platform, which includes: a DACS proprietary risk assessment model (8 patents pending), ERC-3643 onchain compliance modules live on Ethereum Sepolia, a real-time Collateral Intelligence Engine with multi-chain transaction indexing, AI-powered Smart Review underwriting agent, NCUA Examiner View for regulatory reporting, and cryptographic key governance with an immutable audit trail.
The full end-to-end flow - comprising wallet creation, funding, transfer, and onchain settlement - is production-ready and our live sandbox API key (aetherum-sandbox-backend) is active.
Aetherum provides distribution infrastructure. Every credit union onboarded becomes a new distribution point across a network of 140M US credit union members and $2T+ in assets.
Credit union members pledge BTC or ETH as collateral and receive loans disbursed in digital dollars directly through their credit union. Developer-controlled wallet infrastructure handles all disbursement and onchain settlement. The full flow - wallet creation, funding, transfer, and settlement - is validated end-to-end.
Every approved loan on the Aetherum platform is disbursed in stablecoins via developer-controlled wallets. Funds flow from the credit union's wallet to the member's wallet at loan origination. Repayment settles back through the same infrastructure - transparent, auditable, and aligned with NCUA examination needs.
Aetherum's ERC-3643 compliance modules on Ethereum Sepolia gate every loan application through three onchain checks: USJurisdiction, CollateralLTV, and CUMember attestation. Compliance events are anchored onchain with an immutable audit trail that can be exported for regulatory examination.
The Collateral Intelligence Engine monitors every active loan position 24/7. Onchain transfers trigger automatic LTV recomputation, risk score updates, and margin call detection across BTC, ETH, XRP, and Solana collateral via a multi-chain transaction indexer.
Aetherum integrates with Jack Henry FIN (certified), Fiserv DNA, and Corelation KeyBridge - enabling credit unions to offer crypto-collateralized lending through existing core banking systems with no infrastructure changes. Loans post automatically to the credit union's core banking system on approval.
Aetherum supports stablecoin settlement across Ethereum and Pharos Atlantic Testnet via cross-chain transfer protocols. The platform is live on Pharos with contract wiring, wallet generation, and disbursement running - supporting compliant lending infrastructure across an expanding cross-chain ecosystem.
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