Three accounts.
Honest pricing.
No conversion spreads. No "platform" fees. No marketing rates that only apply to a $25-dollar starter balance. What you see below is what runs in production.
Built for the way capital actually moves.
AUC = assets under custody (cash + digital, USD equivalent). Tiers are not waitlisted; you may upgrade or downgrade at any time without penalty.
What we charge for. What we do not.
There is no FX or conversion spread.
Aurum does not run a quoted market. When you convert between USD and a supported stablecoin, the bank settles at the published reference rate; no markup is added.
We disclose the spread on yield.
On each source — Treasury repo, money funds, tokenized T-bills, validators — the spread between the source rate and your APY is itemized in your monthly statement.
Wires are priced like a bank.
We don't profit from the wire desk. Domestic wires at Personal are $15 because that is approximately our marginal cost. At Premier and Private Wealth, wires are absorbed.
Onboarding is not a sales call.
Personal accounts open through a self-serve KYC flow. Premier and Private Wealth include a guided session because the controls (sub-accounts, API roles, allow-listing) deserve a person walking through them.
*Pass-through APYs. Aurum publishes the underlying source rate, the bank's spread, and the resulting client APY on the first business day of each month in the monthly statement. Yields are not guaranteed and may be suspended at the discretion of the bank's Risk Committee. See accounts for current rate sources.
Pricing is current as of 28 May 2026 and may be changed with 30 days' notice. Tier minimums (AUC) are calculated as a trailing 30-day average; balances that fall below the minimum for a single day do not trigger a downgrade.