Lorum website screenshot

Lorum

Lorum (developer brand "Fuse") is a fintech providing banking-grade clearing, settlement, and treasury infrastructure - "built for clearing, not lending." Through one API it offers multi-currency clearing across 30+ markets, programmable segregated account infrastructure (including virtual IBANs), and cash management with FX and liquidity sweeps. It targets payroll/EOR platforms, fintechs and PSPs, trading and investment platforms, and marketplaces that need to move and settle funds across global payment rails without standing up local banking entities. The API (OAuth2 client-credentials auth, idempotency-keyed money movement, and webhook event notifications) covers customers/KYC, accounts, payments, internal transfers, currency exchange, documents, batch payments, and full sandbox scheme simulation. Lorum is backed by Northzone.

Lorum publishes 10 APIs on the APIs.io network, including Accounts API, Customers API, Customers V2 API, and 7 more. Tagged areas include Company, Fintech, Payments, Banking, and Clearing.

The Lorum catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Lorum’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, engineering blog, support, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub
49.4/100 developing ▬ flat Agent 69/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
10 APIs 1 MCP Servers
CompanyFintechPaymentsBankingClearingSettlementTreasuryMulti-CurrencyAccountsForeign ExchangeWebhooks

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 49.4/100 · developing
Contract Quality 17.4 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 3.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 69/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/lorum: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Lorum Accounts API

The Accounts API from Lorum — 5 operation(s) for accounts.

Lorum Customers API

The Customers API from Lorum — 10 operation(s) for customers.

Lorum Customers V2 API

The Customers V2 API from Lorum — 1 operation(s) for customers v2.

Lorum Documents API

The Documents API from Lorum — 2 operation(s) for documents.

Lorum Exchange API

The Exchange API from Lorum — 2 operation(s) for exchange.

Lorum Internal Transfers API

The Internal Transfers API from Lorum — 1 operation(s) for internal transfers.

Lorum Oauth API

The Oauth API from Lorum — 1 operation(s) for oauth.

Lorum Payments API

The Payments API from Lorum — 2 operation(s) for payments.

Lorum Simulation API

The Simulation API from Lorum — 4 operation(s) for simulation.

Lorum Transactions API

The Transactions API from Lorum — 8 operation(s) for transactions.

Scroll for all 10

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

lorum-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Lorum (Fuse) Webhooks

Real-time webhook events emitted by Lorum for payments, transfers, currency exchanges, account changes, and customer onboarding. Generated from the provider's published webhook ...

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lorum Authentication

oauth2/http · 2 schemes

SECURITY

Lorum Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox
 Login
Login

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 AsyncAPI
AsyncAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 WellKnown
WellKnown
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 7

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage
StatusPage
 Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: lorum
name: Lorum
description: Lorum (developer brand "Fuse") is a fintech providing banking-grade clearing, settlement, and treasury infrastructure
  - "built for clearing, not lending." Through one API it offers multi-currency clearing across 30+ markets, programmable
  segregated account infrastructure (including virtual IBANs), and cash management with FX and liquidity sweeps. It targets
  payroll/EOR platforms, fintechs and PSPs, trading and investment platforms, and marketplaces that need to move and settle
  funds across global payment rails without standing up local banking entities. The API (OAuth2 client-credentials auth, idempotency-keyed
  money movement, and webhook event notifications) covers customers/KYC, accounts, payments, internal transfers, currency
  exchange, documents, batch payments, and full sandbox scheme simulation. Lorum is backed by Northzone.
url: https://raw.githubusercontent.com/api-evangelist/lorum/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- northzone
x-tier: enriched
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cdn.prod.website-files.com/691dc048eb27bd1d29e459b1/692b0683e9466303595474d6_1ddad7f49147abb7075cab3048b9487b_Opengraph.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Payments
- Banking
- Clearing
- Settlement
- Treasury
- Multi-Currency
- Accounts
- Foreign Exchange
- Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: lorum:lorum-accounts-api
  name: Lorum Accounts API
  description: The Accounts API from Lorum — 5 operation(s) for accounts.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/lorum-accounts-api-openapi.yml
- aid: lorum:lorum-customers-api
  name: Lorum Customers API
  description: The Customers API from Lorum — 10 operation(s) for customers.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/lorum-customers-api-openapi.yml
- aid: lorum:lorum-customers-v2-api
  name: Lorum Customers V2 API
  description: The Customers V2 API from Lorum — 1 operation(s) for customers v2.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Customers V2
  properties:
  - type: OpenAPI
    url: openapi/lorum-customers-v2-api-openapi.yml
- aid: lorum:lorum-documents-api
  name: Lorum Documents API
  description: The Documents API from Lorum — 2 operation(s) for documents.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/lorum-documents-api-openapi.yml
- aid: lorum:lorum-exchange-api
  name: Lorum Exchange API
  description: The Exchange API from Lorum — 2 operation(s) for exchange.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Exchange
  properties:
  - type: OpenAPI
    url: openapi/lorum-exchange-api-openapi.yml
- aid: lorum:lorum-internal-transfers-api
  name: Lorum Internal Transfers API
  description: The Internal Transfers API from Lorum — 1 operation(s) for internal transfers.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Internal Transfers
  properties:
  - type: OpenAPI
    url: openapi/lorum-internal-transfers-api-openapi.yml
- aid: lorum:lorum-oauth-api
  name: Lorum Oauth API
  description: The Oauth API from Lorum — 1 operation(s) for oauth.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Oauth
  properties:
  - type: OpenAPI
    url: openapi/lorum-oauth-api-openapi.yml
- aid: lorum:lorum-payments-api
  name: Lorum Payments API
  description: The Payments API from Lorum — 2 operation(s) for payments.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/lorum-payments-api-openapi.yml
- aid: lorum:lorum-simulation-api
  name: Lorum Simulation API
  description: The Simulation API from Lorum — 4 operation(s) for simulation.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Simulation
  properties:
  - type: OpenAPI
    url: openapi/lorum-simulation-api-openapi.yml
- aid: lorum:lorum-transactions-api
  name: Lorum Transactions API
  description: The Transactions API from Lorum — 8 operation(s) for transactions.
  humanURL: https://docs.lorum.com/docs/getting-started
  baseURL: https://api.fuse.me
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/lorum-transactions-api-openapi.yml
common:
- type: DeveloperPortal
  url: https://docs.lorum.com/docs/getting-started
- type: Documentation
  url: https://docs.lorum.com/docs/getting-started
- type: APIReference
  url: https://docs.lorum.com/reference/getting-a-bearer-token
- type: GettingStarted
  url: https://docs.lorum.com/docs/getting-started
- type: Authentication
  url: authentication/lorum-authentication.yml
- type: Conventions
  url: conventions/lorum-conventions.yml
- type: Idempotency
  url: conventions/lorum-conventions.yml
- type: ErrorCatalog
  url: errors/lorum-problem-types.yml
- type: Lifecycle
  url: lifecycle/lorum-lifecycle.yml
- type: StatusPage
  url: https://status.lorum.com/
- type: Conformance
  url: conformance/lorum-conformance.yml
- type: Sandbox
  url: sandbox/lorum-sandbox.yml
- type: DataModel
  url: data-model/lorum-data-model.yml
- type: MCPServer
  url: mcp/lorum-mcp.yml
- type: WellKnown
  url: well-known/lorum-well-known.yml
- type: AsyncAPI
  url: asyncapi/lorum-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/lorum-webhooks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/lorum-llms.txt
- type: DomainSecurity
  url: security/lorum-domain-security.yml
- type: Blog
  url: https://www.lorum.com/blog
- type: PrivacyPolicy
  url: https://www.lorum.com/legal/privacy-policy
- type: Login
  url: https://app.lorum.com/
- type: Support
  url: https://www.lorum.com/contact-us
- type: Website
  url: https://www.lorum.com
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 16
  pass: local-v1