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Unlock 60 second payments with a single API.

Orum handles the complexity of payments so you can focus resources on your core product. Provide intelligence-backed payment orchestration and settlement in as fast as 60 seconds.

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What We Do We solve the hardest problems in money movement

Orum unlocks 24/7/365 accelerated payments through our single, unified Momentum API. This means there’s no need to integrate with different payment rails, orchestrate complex multi-rail transfers, or design and maintain payment intelligence.

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The Unlock We'll take on payments so you can improve customer
scale your
expand your
product offering
increase customer
new revenue
cash flow
operating costs

  • Build for customers, not fraudsters

    Don’t let a small percentage of bad actors determine the speed of your overall payment experience. Increase accounts funded by 2x with risk-managed payments that settle fast.

  • Reduce Payments OpEx

    A simple integration for embedded payments that gives you faster settlement, better data, and easy maintenance – meaning you can allocate less resources to payments, and more to your core product.

  • Scale without limitations

    Modernizing money movement will help you drive innovation and competitive differentiation for your business. With our extensive banking network, you’ll get a partner that can support your rapid growth & can handle any volume of transactions or transaction size.

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    "transfer_reference_id": "string",
    "amount": 90000,
    "currency": "USD",
    "speed": "asap",
    "source": {
        "account_reference_id": "string",
        "customer_reference_id": "string"
    "destination": {
            "account_reference_id": "string",
            "customer_reference_id": "string"

Simple API

Our customers no longer need to think about payment rails.

With our simple, unified API, you simply specify the ideal payment speed then leave the rest to us.

Want to see for yourself?

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Use Cases

  • Your traders have been trained to expect instant money movement. Round out their experience with the ability to access fiat as fast as a crypto trade.

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    Instant Withdrawal Crypto UI
  • Build trust and loyalty by ensuring your customers never have to worry about accessing their cash instantly.

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    Made Your First Deposit Investing UI
  • Acquire and retain customers by offering claim payouts that hit their account in seconds when they need the money the most.

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    Claim Has Been Processed Insurance Woman on Jeep
  • Improve operational efficiency with a one-sprint integration of simpler account funding flows.

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    Welcome to NewBank Instant Deposit Received Banking UI
  • Gig workers are in short supply, get a leg up on your competition with a low-cost solution for paying contractors instantly.

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    Dogwalked Instant Payout On Demand Wage UI
  • Get a competitive advantage by being able fund a borrower’s account when they need it with instant payouts.

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    Loan Has Been Approved Lending UI

Ready to move? Let’s talk.

Orum is backed by some of the most trusted voices in fintech.

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