HORUM is the most advanced digital ecosystem of banking and financial services dedicated to SMEs, with an emphasis on micro-entrepreneurs. Available 24/7/365 from any connected device it reaches above the borders and currency fluctuations, to deliver a full range of competitively priced and flexible financial and banking services. Built on blockchain and smart contracts, HORUM understands and addresses the needs of people and their businesses as they are always at the centre of the HORUM community.