Still have questions?
Contact Us
New York (US)
590 Madison Avenue, 21st Floor,
New York, NY 10022
London (UK)
71-75 Shelton Street, London,
WC2H 9JQ
Dublin (EU)
6th Floor,
2 Grand Canal Square, Dublin 2
Copyright © 2022 Fluency Group Ltd. All Rights Reserved.

Powering the Revolution of Money

Next-generation blockchain technology enabling universal, inclusive, seamless and affordable digital payments with a superior level of resilience. At its core, a ledger-stored, account-based CBDC solution with privacy by design, dual offline functionality (when both the payer and the payee are offline), interoperability and programmability as key features.
Explore AureumTM

Fluency’s AureumTM revolutionary CBDC future-proof technology resolves one of the biggest frictions of Web 3.0 uniting CeFi and DeFi

CBDCs would require technology enhancements for all players. AureumTM enables instant peer-to-peer cross-border payments while ensuring a superior level of resilience and privacy. We bring transactional cash management to the next level of innovation from the standpoint of accessibility, convertibility, reachability and traceability
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.
                Learn more Financial Institutions & Enterprises

CBDC-ready 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,
  • Offline, programmability, immutability, traceability & interoperability,
  • Smart contracts automation, tokenization of private equity,
  • Capability to support advance payment types inc. DvP, PvP and M2M.
                Learn more

Fluency’s thought leadership yields involvement in the creation of the world’s major CBDCs and payment systems

At Fluency, we’ve been driving cutting-edge research and AureumTM capabilities, partnering and engaging with leading central banks, financial institutions and policy makers around the world as their thought partner
U.S. Federal Reserve System Payment System
Improvement

Advising the U.S. Federal Reserve on the design of B2B payments in the United States

We are a part of the U.S. Federal Reserve’s FedNowSM Service Provider Showcase supporting organizations implement instant payments

 Learn more European Central Bank Digital Euro CBDC Investigation
Project

Advising the European Central Bank on the design and distribution of a potential digital euro

We are an appointed member of the European Central Bank Market Advisory Group for the digital euro project

 Learn more Bank of England Digital Pound CBDC Technology
Workgroup

Advising the Bank of England on the challenges of designing, implementing and operating a digital pound

We are an appointed member of the Bank of England digital pound CBDC Technology Forum

 Learn more

Aureum fulfils the G7 principles for retail Central Bank Digital Currencies (CBDCs)

Aureum is a universal next-generation digital payments blockchain network, built from the ground up bridging CeFi and DeFi. It is the world’s first blockchain based solution capable of achieving all CBDC related requirements, including those outlined by G7 finance leaders
Fully Offline
Designed with unique ability to fully function offline, secure peer-to-peer consecutive offline payments when neither payee or payer has mobile or internet connection
Privacy
Transactions are encrypted by default, with settlement details available to be decoded only by involved parties and administrator ensuring compliance with relevant legislations and local laws
Interoperability
With existing and future payments solutions including existing banking systems (eg. RTGS), foreign & synthetic CBDCs, DeFi, stablecoins, metaverse, IoT and more
Resilience & Cyber Security
A high-degree of resiliency and fault-tolerance of the platform by providing decentralized, permissioned infrastructure that allows handling of CBDC assets on a shared ledger
Programmability
Innovative products and services can be built in, including smart-contracts, custodial and non-custodial wallets, zero-knowledge cryptography, decentralized finance and more
Scalability
Highly scalable performance higher than RTGS systems and DeFI public networks
Unlock the power of next-gen Blockchain
Explore AureumTM

Start planning now

Start by understanding how things will change and what can be improved across your business. Regardless of your role and how entrenched you are in the existing system, CBDC will hit with game-changing impact—get started today!
Get in touch