Fluency is a market leading blockchain technology company. Our revolutionary flagship product, Aureum, is an innovative blockchain CBDC technology for retail, wholesale & international payments. Fluency yields active central bank and governments engagements. We are appointed to the world’s key CBDCs and payment systems projects innovating world’s most traded currencies - GBP, EUR & USD advising the European Central Bank, Bank of England and US-Fed Reserve. Aureum is the world’s first blockchain network, capable of achieving all CBDC related requirements, including those outlined by G7 finance leaders and the European Central Bank foundation design aspects for a digital euro, approved by its Governing Council of 19 national central banks of the Eurozone. AUREUM CORE - CENTRAL BANKS Highly resilient, multi-level permissioned and private DLT network developed across 4 layers of architecture, built specifically to enable CBDCs with full customisation: - Peer-to-peer validation, - Online validation by certified third-parties, - Dual offline functionality (when both payee and payer have no mobile/ internet connection), - Instantaneous and programmable payments, with privacy by design, - Double spending protection. AUREUM ENTERPRISE - FINANCIAL INSTITUTIONS CBDC-ready institutional DLT with smart contracts for wholesale CBDC & automated banking. Enables settlement of multiple CBDCs and other digital currencies on a single, universal platform: - Real-time cross-border multi-currency payments, - Fully offline, programmability, immutability, traceability & interoperability, - Smart contracts automation, tokenization of private equity, - Capability to support advance payment types inc. DvP, PvP and M2M. We are bridging the gap between CeFi and DeFi.