Building the banking
of the future

Banking is on the verge of an era of change. Digital money and tokenization are transforming retail payments and wholesale finance. Get ready for the era of multi digital assets future.

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Transforming financial services

For organizations, government and regulators across the globe, blockchain represents a completely new way to think about data and operating models. These opportunities vary widely and include the use cases below and more.

The science of full offline functionality

Fluency's AureumTM patented software enables full offline payments on both new and old devices, eliminating the need to manufacture new expensive hardware devices. In addition, it protects the secure element with its own cybersecurity resolution mechanism in the event of a hardware fault-induced attack

Reasons

INCLUSION
RESILIENCE
POOR CONNECTIVITY
UNIVERSAL ACCESS
PRIVACY
CIVIL
CONTINGENCY
UNIVERSAL
ACCESS
CASH RESEMBLANCE
PERFORMANCE
& SCALABILITY
TRUST

AureumTM offline component

AureumTM can work with or without a secure element enabling greater adoption

Our highly secured offline component allows for greater adoption from day one, making it easier for users to pay for goods and services from places and with devices that do not support NFC or have a secure element, eliminating the need to manufacture costly SIM cards and new hardware devices

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Segments we support

Commercial Banking

Central Banks and Regulators

New Universal Networks

Retail Banking

Payment Services Providers

Asset Management

Commercial Banking

Tokenization and digital money are transforming high-value transactions and wholesale financing.  Prepare for a multi-system future with the introduction of retail and wholesale CBDCs, tokenization, and next-generation cybersecurity.

Central Banks & Regulators

Fluency's innovative technology and thought leadership status have earned appointments by major central banks and regulators, such as the ECB, Bank of England, and US Federal Reserve, to the world's largest CBDCs and new financial system development projects.

Our innovative solutions include a patented offline technology, an alias lookup function, a seamless multi-asset settlement system, a secure payment information exchange, programmability and more.  All at a scale of over 100,000 TPS.

New Universal Networks

Universal networks will be the new foundation for financial markets.  A highly interoperable set of networks (or possibly a single network) arises to facilitate liquidity.  As finance becomes more peer-to-peer, protocols automate many of the services that intermediaries currently do.  Partner with Fluency to ensure future-proof, seamless multi-system interoperability for all types of digital assets, including account and token value forms.

Retail Banking

Moving forward, banking methods of distribution will be digital, hybrid, and future-focused.  Prepare for a multi-asset digital future.  Implement multi-system interoperability providing you access to all types of digital assets including account and token-based assets.

Payment Service Providers

Offer everything merchants desire; no need to use numerous technology providers.  Instead of paying many suppliers, move any form of money in and out with a single set of flexible and scalable APIs delivered by Fluency provided through a seamless single issuance layer.  Issue e-money alongside multiple CBDCs, stablecoins, and cryptocurrencies.  Increase revenue while ensuring compliance with new regulations facilitating offline payments.

Asset Management

Streamline the risks and costs associated with multi-asset and multi-CBDC transaction processing, record keeping, and asset management operations by hosting electronic multi-asset wallets, seamless online and offline payments, and account and token-based asset interoperability, eliminating the costly need to use multiple technologies.

With CBDC adoption around the corner, partner with Fluency to minimize your reliance on multiple payment gateways.  Optimise your asset management operations to boost your performance and revenue.

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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, new form of money & tokenization will hit with game-changing impact. Get started today!

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