Startup Showcase: Fluency’s Aureum Revolutionizes CBDC on Blockchain

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Fluency is a London-based startup that is revolutionizing the existing financial system through its proprietary blockchain technology, Aureum. The innovative solution is a CBDC that is future-proof and resolves one of the biggest frictions of Web 3.0 by uniting CeFi and DeFi. In this Startup Showcase, we’ll explore how Fluency is enabling companies to lead the way in financial services innovation and participate in using new digital currency flows while preparing for the launch of sovereign CBDC.

A CBDC Solution with Privacy by Design

At its core, Aureum is a ledger-stored, account-based CBDC solution that has privacy by design, offline functionality, cross-chain interoperability, and programmability as key features. It offers a truly universal, inclusive, seamless, and near-zero cost transaction experience while ensuring a superior level of resilience and privacy.

Offline Functionality

One of the most impressive features of Aureum is its full offline functionality. When both the payer and the payee are offline, the transaction can still take place. This is a game-changer for the financial industry, where connectivity is often a challenge.

Interoperability and Programmability

Aureum is interoperable with multi-digital assets using one platform, making it easy to move money across a variety of payment flows. Additionally, the solution offers programmability through smart contracts, zero-knowledge cryptography, decentralized finance, and more.

Privacy and Upgradability

Privacy is another critical feature of Aureum. With privacy by design, users can have confidence that their transactions are secure and private. The solution is also upgradable, ensuring that it remains future-proof and can adapt to changing market conditions and regulations.


Aureum is scalable, with a capacity greater than RTGS systems and DeFi public networks. This ensures that the solution can handle high transaction volumes, making it a reliable and efficient solution for financial transactions.

Selected by the European Central Bank and the Bank of England

Fluency is the world’s only technology company that has been selected by the European Central Bank to their Euro CBDC project. This is a testament to the company’s expertise and innovative solutions. Moreover, Fluency was selected by the Bank of England to Digital Pound design exploration in 2021, further establishing the company as a leader in the financial services industry.

Part of the FedNow Service Provider Showcase

Fluency is also a part of the US-Federal Reserve’s new FedNow Service Provider Showcase, which helps other organizations implement instant payments. This highlights the company’s commitment to innovation and its ability to create solutions that benefit the wider financial industry.


Fluency’s Aureum is a revolutionary CBDC solution that is transforming the financial services industry. With its offline functionality, interoperability, programmability, privacy, upgradability, and scalability, Aureum is a comprehensive solution that meets the needs of today’s digital economy. Fluency’s selection by the European Central Bank and the Bank of England further highlights its expertise and leadership in the field. We look forward to seeing how Fluency continues to innovate and transform the financial industry in the years to come.





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