Global payment systems are not broken. Incentives are. For decades, clearing has sat inside institutions whose business models are driven by lending and yield. When clearing is subordinated to balance-sheet priorities, settlement slows and certainty drops. The same institutions that distort clearing as providers end up disadvantaged as users. They are forced into fragmented setups, inconsistent rails, duplicated compliance, and unpredictable timelines. Lorum rebuilds clearing as its own specialist function. We act as a clearing and transaction banking partner for regulated institutions, with treasury built into the core so liquidity, settlement, and reconciliation sit in one controlled system. Our platform unifies global and local licenses, direct central bank connectivity, and domestic payment rails through a single API. Clients open named customer accounts in each supported market and collect and pay out through one network, while keeping full ownership of their customer relationships.
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