AURUM RESERVE · WY SPDI
Accounts & products

One account for cash and digital assets.

Four product lines for the way capital actually moves — spend, earn, store, and operate — all held by the same chartered bank, under the same custody policies, against the same reserves.

A-01 / Deposit

Spend dollars,
settle in seconds.

The everyday account. U.S. dollar deposits and 24 supported digital assets in a single balance, with ACH, FedWire, FedNow, and on-chain withdrawals available the moment funds clear.

Available as a personal account or as a sub-account under a Business relationship. Optional metal Visa Infinite card for Premier and Private Wealth tiers; standard Visa Platinum for Personal.

Minimum
$0
USD APY
4.10% – 4.85%*
USDC APY
4.50% – 5.18%*
Wires
$15 · Free at Premier
Card
Visa Platinum / Infinite
A-02 / Yield

Treasury-grade rates
on idle balances.

Yield is delivered through a bank-managed sweep: dollar balances into overnight Treasury repo and government money funds; USDC into short-duration tokenized T-bills; ETH into a curated set of institutional staking validators.

Sources, rates, and allocations are disclosed monthly. There is no "house rate," no fixed-term lockup, and no rehypothecation. Idle yield reverts to zero on withdrawal request, not on settlement.

Minimum
$5,000
USD APY
4.85%*
USDC APY
5.18%*
ETH staking
3.10% – 3.45%*
Validator set
11 approved
A-03 / Custody Vault

Multi-sig cold storage.
No swap surface.

For long-horizon holdings: MPC-secured cold custody with no withdrawal pathway except via in-person request and multi-officer approval. 3-of-5 threshold signing across geographically-segregated HSMs in Tier-3 facilities.

Vault accounts cannot trade, sweep, or stake. They exist to hold. Disbursement requires a signed instruction reviewed by the bank's officer-of-the-day under SOC 2-audited dual-control procedures.

Minimum
$250,000
Threshold
3-of-5 MPC
Insurance
$250M Lloyd's
Setup
5 – 7 business days
Disbursement
T+1 to T+3
A-04 / Business

Operating accounts,
payroll, and treasury.

For LLCs, C-corps, funds, family offices, and DAOs operating under U.S. legal entities. ACH origination, unlimited sub-accounts, role-based access controls, and a documented audit log of every balance movement.

Native integrations with QuickBooks, Ramp, Modern Treasury, and Pilot. Full REST API plus optional dedicated relationship banker at the Premier and Private Wealth tiers.

Minimum
$25,000
Sub-accounts
Unlimited
ACH origination
Included
API
REST + Webhooks
Integrations
QuickBooks, Ramp, Modern Treasury, Pilot
Supported assets

Twenty-four assets. Each reviewed quarterly.

Asset eligibility is reviewed by the Risk Committee each quarter. Prices below are illustrative; live quotes in your account.

BTCBitcoin
$68,420.12
+1.24%
ETHEthereum
$3,287.45
+0.86%
SOLSolana
$148.72
+2.11%
USDCUSD Coin
$1.0001
+0.00%
USDTTether
$0.9998
−0.02%
AVAXAvalanche
$32.18
−0.42%
LINKChainlink
$14.07
+1.06%
POLPolygon
$0.72
−1.31%
DOTPolkadot
$6.42
+0.18%
ARBArbitrum
$0.91
−0.74%
OPOptimism
$1.84
+0.32%
ATOMCosmos
$7.63
+0.95%
AAVEAave
$107.40
+1.62%
LDOLido
$1.66
+0.04%
NEARNear
$5.18
+1.84%
RPLRocket Pool
$19.40
+0.62%
MKRMaker
$1,247.30
+0.41%
COMPCompound
$52.18
−1.05%
UNIUniswap
$7.98
+1.14%
INJInjective
$24.16
+2.41%
TIACelestia
$5.32
−1.18%
TONToncoin
$5.42
+0.62%
HBARHedera
$0.084
+0.36%
SUISui
$1.41
+1.85%

Aurum supports the following chains in production: Bitcoin, Ethereum, Solana, Polygon, Avalanche, Arbitrum, Optimism, Base, Cosmos Hub, and the Lightning Network. Additional chain support is under review.

How yield is sourced

Public sources. Published monthly.

Yield is not a marketing rate. Each component of the sweep is disclosed, sourced, and capped — and the bank takes a stated spread, not a discretionary one.

For dollar balances the sweep allocates between overnight Treasury repo through a primary-dealer counterparty and a government money market fund. For USDC, the bank deploys into a tokenized T-bill program backed by a SEC-registered investment manager. For ETH, balances are bonded to an approved validator set with mandatory slashing insurance.

SourceAssetRate*Spread
Treasury repo (overnight)USD5.32%0.47%
Govt. money fundUSD5.18%0.33%
Tokenized T-bill (BUIDL)USDC5.41%0.23%
Tokenized T-bill (USDY)USDC5.29%0.18%
Approved validators (n=11)ETH3.10–3.45%0.40%
Approved validators (Solana)SOL6.80–7.20%0.50%

* Pass-through. Rates as of 24 May 2026. Updated monthly.

*Illustrative APYs. Posted rates reflect the bank's pass-through of yield generated by the underlying source program less the disclosed spread. Aurum Reserve does not guarantee any rate of return on deposits or digital-asset balances. Yields fluctuate with the federal funds rate, network staking conditions, and validator economics. Aurum may suspend yield on any asset at the discretion of the Risk Committee.

Aurum Reserve is a Wyoming Special Purpose Depository Institution. Deposits are not FDIC-insured. Client digital assets are held in qualified custody at the bank and are not subject to creditor claims against Aurum Reserve, Inc. under Wyoming Statute §13-12-103. Digital assets are not legal tender and may lose value.