Fluency

Fluency is a market leading blockchain technology company. Our revolutionary flagship product, Aureum, is an innovative blockchain CBDC technology for retail, wholesale & international payments.

At its core, a next-gen ledger-stored account-CBDC solution with privacy by design.

Fluency yields active central bank and governments engagements. We are appointed to the world’s key CBDCs and payment systems projects innovating world’s most traded currencies - GBP, EUR & USD advising the European Central Bank, Bank of England and US-Fed Reserve.

Aureum is capable of achieving all CBDC related requirements, including those outlined by G7 and European Central Bank foundation design aspects for a digital euro, approved by its Governing Council of 20 national central banks of the Eurozone.

INNOVATIVE wCBDC & rCBDC BRIDGE CAPABILITY
Single issuance layer deploying a conversion bridge - wholesale tokens (wCBDC) to and from retail account DLT-stored rCBDC.

AUREUM CORE - CENTRAL BANKS

Highly resilient, multi-level permissioned and private DLT network developed across 4 layers of architecture, built specifically to enable CBDCs with full customisation:

Peer-to-peer validation,

Online validation by certified third-parties,

Dual offline functionality (when both payee and payer have no mobile/ internet connection),

Instantaneous and programmable payments, with privacy by design,

Double spending protection (both online & offline).

AUREUM ENTERPRISE - FINANCIAL INSTITUTIONS

CBDC-ready institutional DLT with smart contracts for wholesale CBDC & automated banking. Enables settlement of multiple CBDCs and other digital currencies on a single, universal platform:

Real-time cross-border multi-currency payments,

Fully offline, programmability, immutability, traceability & interoperability,

Smart contracts automation, tokenization of private equity,

Capability to support advance payment types inc. DvP, PvP and M2M.

We are bridging the gap between CeFi and DeFi