Fluency

Fluency Technologies Company Analysis Report

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Headquartered in London, UK, Fluency Technologies is a technology company focused on building the next generation of digital financial infrastructure, with technology and policy research teams in the EU, the Middle East, and Asia. The company's core mission is to provide central banks, financial institutions and governments with highly programmable, secure and compliant, scalable digital currency and financial data circulation solutions.

Fluency focuses on building an infrastructure layer based on distributed ledger technology (DLT) to drive the implementation of innovative scenarios including central bank digital currency (CBDC), programmable payment systems, cross-chain data governance, and financial identity. Its main platform product is Aureum™, a multi-chain compatible financial data communication system designed for government and enterprise users, supporting on-chain and off-chain data fusion, privacy protection, compliant computing and multi-party collaboration.

The company's team is composed of professionals from various fields such as financial regulation, central bank technology research, blockchain security, digital identity, AI and payment infrastructure. Fluency's vision is to integrate data flow, fund settlement, and rule calculation into a supervisable and scalable digital sovereign financial operating system to serve the operation of a new generation of digital economy.

2. Core product system

Fluency's technical products and service system are built around the following core functional modules:

1. Aureum™ Digital Financial Operating System

Aureum is the core platform independently developed by Fluency, which has the following functions:

The multi-layer architecture of the DLT engine allows different sovereign currencies to run in parallel in a single ledger system, realizing the logical independence and technical interoperability of different national or regional central bank systems;

The programmable currency model supports the logic of using conditions, payment time, and usage constraints for unit currency allocation, such as specific financial subsidies, wage payments, and digital tax automation.

The on-chain identity binding mechanism, combined with cryptographic authentication and behavioral fingerprinting, ensures that the use of digital currency is secure, transparent and traceable;

Data governance rules engine to set enforceable policies for financial data and transaction behavior (e.g., data access, cross-border clearing restrictions, AML review paths);

On-chain offline payment capabilities, combined with edge computing and asymmetric encryption, realize payment operations under network-free conditions, and ensure payment availability in natural disasters, network failures and other environments.

2. CBDC Support Module (Central Bank Digital Currency)

Fluency uses the Aureum platform to build a configurable CBDC testing framework and production-grade network for central banks, including:

Multi-tier account model (direct issuance, two-tier architecture, etc.),

CBDC and commercial bank account docking model

cross-border payment scenario testing (B2B, B2C).

Extensible governance structure (support for IMF, BIS compliance interfaces)

Smart contract compatibility mechanism (deployment of fiscal rules, payment conditions, etc.)

The module has been used in the technical testing sandbox and strategic research projects of many central banks, especially in promoting the digitalization of monetary policy and the refinement of macro liquidity control.

3. Private Chain + Supervision Node Integration System

Fluency designs a ledger system that allows simultaneous operation of the main ledger (central bank/government control) and subledger (controlled by financial institutions, payment service providers), where all subledger activities are automatically summarized and synchronized back to the main ledger. In order to realize the collaborative model of "distributed autonomy + central supervision".

The custodial node has the following functions:

Real-time audit of transaction data flows

automatic screening of abnormal transaction behaviors

definition of risk control rules, and injection of

KYC, AML, tax reporting automation

The design ensures the diversified operation of the financial ecosystem while retaining the controllable perspective of the central regulator.

3. Technical advantages and system architecture

Fluency's technical advantages are reflected in its highly modular, compliance-driven, and cross-level scalability:

1. Modular architecture

The system consists of multiple pluggable modules that can be enabled by central banks or institutions as needed, avoiding excessive one-time development costs. These include payment engines, on-chain contracts, identity verification, cross-border payment intermediaries, message queues, and data permission systems.

2. Compliant built-in system design

Fluency embeds regulatory requirements such as data residency, local audit logs, encryption of sensitive fields, revocable permission management, and more at the design level, ensuring that deployments in different jurisdictions do not need to be reinvented.

3. Multi-chain compatibility and off-chain synchronization

Underlying platforms such as EVM-compatible chains, Substrate, Solana, and Hyperledger Fabric are supported. The on-chain status can be synchronized with the off-chain traditional database in real time, which is convenient for institutions to do accounting, auditing, and regulatory disclosure.

4. Offline operation mechanism

The end-to-end payment device or module provided by Fluency supports the synchronization of offline payment into the chain without network, which is especially suitable for scenarios such as emerging markets, low-connection regions, and emergency financial scheduling.

4. Industry applications and cooperation areas

Fluency's system can be widely used in the following industry scenarios:

central bank's digital currency pilot project

is automated

Identity-based education, health care, and public payment systemsClearing

the ledger of banks or payment service providersUpgrading

multi-country cross-border payment docking and tax declaration

agreementsIntegrating intelligent rules engine

Customers include central banks, the Ministry of Finance, financial regulatory authorities, large commercial banks, fintech payment platforms, Commodity exchanges, international payment federations, etc.

V. Market Layout and Competitive Advantage

Fluency focuses on serving high-level sovereign clients and regulated institutional clients, with the following competitive advantages:

Deep vertical integration: from the bottom of the basic ledger to the front-end contract module, From the offline payment terminal to the policy rule engine, an end-to-end service chain is formed;

Native design concept of supervision: all system logic, data structure, and authority mechanism are built around the perspective of supervision, winning the trust of policy institutions;

Rapid deployment capability: The modular deployment method can complete customized development and pilot landing within 90 days;

Multi-jurisdictional compatibility: The system has been adapted to EU data compliance requirements, the UK Fintech Sandbox, and the MENA regional compliance technology framework;

Strategic cooperation orientation: Establish multilateral cooperation with the government, university research centers, and policy think tanks to form a policy promotion-technology implementation linkage mechanism.

6. Organizational structure and talent system

Fluency is composed of a multinational team:

senior management has the background of the World Bank, the Bank of England, the European Payments Union, the clearing bank, etc.;

Technology R&D centers are located in the UK and the Middle East, with a team of architects specializing in DLT, trusted computing, encrypted identity and distributed financial systems.

The Compliance & Policy team regularly participates in policy framework discussions with international organizations such as BIS, OECD, FATF, etc., to ensure that product design is in line with cutting-edge specifications.

The external advisory panel includes former government finance experts, central bank digital currency researchers, Web3 security audit experts, and data governance scholars.

The company adopts a team operation method that combines remote collaboration and local station, and flexibly responds to the needs of projects in different regions around the world.

7. Risk control and security In

order to deal with systemic risks, data abuse, malicious attacks and other issues, Fluency has designed multiple security mechanisms at the architecture and governance layers:

Authentication system based on zero-knowledge proof and multi-party computation;

dynamic access control and role permission matrix;

Real-time audit of financial transaction logs and AI anomaly detection;

Module-level hot update support and high-availability failover mechanism;

local sovereign data storage and national sovereign node deployment strategy;

Complete Dev-Test-Deploy-Governance integrated DevSecOps process.

In addition, the company has established an independent security emergency response team and a regular audit mechanism to ensure that the security and stability are not damaged during product iteration.

8. Future Development Strategy

In the next three years, Fluency will focus on the following five strategic directions to promote business deepening and global expansion:

1. support more CBDC landing test projects of central banks, from the proof-of-concept stage to the pilot deployment stage;

2. Strengthen the blockchain cross-border payment module and promote the integration with international clearing and settlement standards such as SWIFT and ISO 20022;

3. Create a complete programmable payment ecosystem, and encourage governments and enterprises to develop innovative scenarios such as intelligent financial tools, tax withholding, and pre-purpose payments.

4. Launched SDK and sandbox environment for developers to promote the co-construction and secondary development of the technology ecosystem;

5. Establish a framework for regional digital sovereign alliances to provide integrated digital currency issuance, payment, and regulatory technology solutions for emerging markets.

9. Summary

Fluency Technologies is a digital financial infrastructure provider with a clear positioning, deep technology, and clear policy orientation. Through the Aureum platform, it effectively integrates blockchain, regtech, programmable payments and central bank digital currency architecture to build a new ledger system that can serve the national financial system.

With its technological leadership, policy compatibility and implementation agility, the company has gradually established a unique position in the global digital financial transformation process. In the future, Fluency is expected to become a key infrastructure service provider in the era of digital sovereignty, supporting the deep integration and efficient evolution of the digital economy and government financial governance.