Nuseum

Layers6

FX cost30 bps

SettlementT+0 · 3 hr

USDG yield~4.1%

Available24/7/365

01Technology Architecture

Six layers. Each partner owns one job.

Nuseum owns the institutional orchestration intelligence; the rest is regulated infrastructure with a track record. Every layer below names the counterparty, the regulator, and the spec they were chosen against.

Layer 01

Orchestration & Intelligence Layer

▸ Nuseum

Nuseum OS owns the institutional orchestration intelligence: invoice parsing, payment routing logic, treasury automation engine, rate evaluation, policy enforcement, reconciliation.

— Invoice parsing + purpose-code assignment
— Payment routing logic (corridor, rail, cost-optimised)
— Treasury automation engine (idle balance → USDG → yield)
— Rate evaluation against deck §02 1.8% leakage benchmark
— Policy enforcement (CFO risk envelope, dual-control)
— Continuous reconciliation across all jurisdictions

Layer 02

FX Liquidity Engine

▸ OpenFX

30 bps flat, 40+ pairs, T+0 with no pre-funding. Virtual IBANs (EUR, USD, AED, INR). Third-party settlement live for INR. NMLS-registered MSB.

— 30 bps flat FX cost — lowest in category
— 40+ currency pairs
— T+0, no pre-funding
— Virtual IBANs (EUR / USD / AED / INR)
— Third-party settlement live for INR (buyer name on recipient statement)
— NMLS-registered MSB

Layer 03

Institutional Settlement Rail

▸ OSL BizPay

T+0 settlement, funds in as little as 3 hours. Stablecoin-to-fiat conversion. Canadian MSB regulated. USDT, USDC, USDG support. Bulk payment on-chain automation. Rate locking with optional T+1 bank settlement fallback.

— T+0 settlement, 3-hour funds delivery
— Stablecoin → fiat conversion in one hop
— Canadian MSB regulated · $200M raised
— USDT, USDC, USDG support
— Bulk on-chain automation
— Rate locking + T+1 bank settlement option

Layer 04

Stablecoin Treasury Layer

▸ Paxos USDG

$2.75B circulating supply. MAS + MiCA regulated. DBS Bank reserves. GDN yield share ~4.1% per year. Mint/redeem API. Ethereum, Solana, and Ink chains. Pendle fixed-yield instruments.

— $2.75B circulating supply
— MAS + MiCA regulated
— Reserves at DBS Bank (short-term US Treasuries + cash)
— GDN yield share ~4.1% / year
— Mint / redeem API
— Ethereum, Solana, Ink chain coverage
— Pendle fixed-yield instrument integration

Layer 05

Banking & Virtual Account Layer

▸ Banking partners

Modern Treasury PSP (ACH, RTP, FedNow, Wire, USDG native). Aeroboard bank. Regional partner banks for in-corridor settlement.

— Modern Treasury PSP
— Rail coverage: ACH · RTP · FedNow · Wire · USDG native
— Aeroboard bank
— Regional partner banks per corridor

Layer 06

Compliance, Identity & Licensing

▸ Regulated

Sumsub KYC and KYB. Chainalysis AML screening. Notabene FATF Travel Rule. DIFC Dubai licensed partner. GIFT City IFSCA licensed partner. Ministry of MSMEs (India). FinCEN MSB.

— Sumsub — KYC / KYB
— Chainalysis — AML screening
— Notabene — FATF Travel Rule
— DIFC Dubai — licensed fund partner (UAE + GCC)
— GIFT City IFSCA — licensed fund partner (India IFSC)
— Ministry of MSMEs (India) — export promotion MoU
— FinCEN MSB registration

02Payment Flow

One invoice. One landing. Three hours.

  Invoice arrives (USD, EUR, AED, INR via virtual IBAN)
    │
    ▼
  Nuseum routing engine
    │   policy: corridor · risk envelope · purpose-code · dual-control
    ▼
  OpenFX rate lock (30 bps, T+0)
    │
    ▼
  USDG mint (Paxos · MAS + MiCA · DBS reserves)
    │
    ▼
  OSL BizPay settlement (T+0, 3-hour window)
    │
    ▼
  Local fiat to recipient (IMPS / InstaPay / UAEFTS / SEPA / ACH)

  Total elapsed: 3 hours. Available: 24 / 7 / 365.
  Compliance: Sumsub KYC + Chainalysis AML + Notabene Travel Rule, every hop.

▸ Every layer above is a contracted relationship — not an introduction, not a roadmap. ▸ See /pricing for module economics and /data-provenance for live cadence per source.