A simple, smart payments API

{
    "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"
    }
}

We do everything else.

• Major rail integration

  Major rail integration

  Orum utilizes integrations with major rails (ACH, RTP, FedNow, etc.) accessed through top-tier institutions, saving you the time and expense of building and maintaining rail integrations.

• Multi-rail orchestration

  Multi-rail orchestration

  You no longer have to think about the implications of different rails on each leg of a transfer. Tell us the net direction and preferred speed of payment, and we’ll orchestrate the rail combination necessary to make it happen.

• Risk-intelligence

  Risk-intelligence

  Orum's proprietary intelligence powers payment acceleration by managing real-time inputs like transaction history and device signals. This allows you to set the optimal payment speed, with automatic fallback to sower speeds based on risk.

• Real-time Webhooks

  Real-time Webhooks

  Webhooks proactively notify you of transfer status, expected settlement date, and more. This data can be passed along to users as a way to trigger requests to take action (like updating KYC records).

• Automated KYC

  Automated KYC

  Orum automates KYC and watchlist screening so you can skip vetting, integrating, and managing additional third-party solutions. If you already have a KYC vendor in place, no problem. We can work with that too.

• Orum wallet

  Orum wallet

  We offer multiple formats of liquidity to fund your Orum Wallet. Liquidity is managed using purpose-built ledgers to enable accelerated deposits, payouts, and transfers while supporting reconciliation.