# Lorum

**Canonical:** https://apis.io/providers/lorum/  
**Website:** https://www.lorum.com  
**APIs profiled:** 10

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.

## Kin Score — 43.4 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 43.4).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 67.8 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Banking & Open Finance**: 26.6 (matched via tags).

## Agent readiness — 43.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (10)

- **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.

## MCP servers (1)

- **Lorum MCP Server**

## Security (2)

- **Lorum Authentication** — oauth2/http · 2 schemes
- **Lorum Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Payments, Banking, Clearing, Settlement, Treasury, Multi-Currency, Account, Foreign Exchange, Webhook

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lorum/). Scores are computed from the provider's own public artifacts under a published rubric.