Lorum - 2026 Pricing, Features, Reviews & Alternatives

Lorum is a comprehensive financial infrastructure platform that provides direct clearing, settlement and treasury management services across global payment corridors through a single API integration. It is designed for regulated platforms that require virtual IBAN issuance, access to multiple payment rails and centralized treasury operations. The platform supports global and regional currencies including United States dollars, euros, pounds sterling, United Arab Emirates dirham, Bahraini dinar, Saudi riyal and Qatari riyal. It enables organizations to expand into established and growth markets without the need for local entity setup.

The platform architecture comprises multi-currency clearing, accounts infrastructure and cash management modules. The clearing module offers direct connectivity to global and domestic payment networks across North America, Europe, the Middle East and Asia while leveraging existing regulatory coverage. The accounts infrastructure module facilitates real-time, programmatic issuance of segregated operational, client and escrow accounts with named virtual IBANs that are fully addressable for clearing in global and local currencies. The cash management module provides wholesale treasury services including access to foreign exchange rates, automated liquidity sweeps and yield on idle funds with real-time visibility across all currencies.

The infrastructure ensures safeguarded funds in each supported jurisdiction and predictable real-time settlement with transaction traceability and service level agreements. A unified ledger supports automated reconciliation and audit readiness at scale across multiple currencies and entities. Institutional foreign exchange and liquidity capabilities reduce trapped cash and optimize working capital efficiency.

The solution integrates via a unified API with payment networks such as FTS, IPP, Fedwire, ACH, Faster Payments, CHAPS, SEPA, SEPA Instant and SWIFT. A sandbox environment and structured error handling enable rapid developer deployment and operational oversight. The platform normalizes regional clearing systems to simplify integration across markets. Lorum Finance (DIFC) Ltd holds regulatory authorization from the DFSA and focuses solely on serving institutional clients.