Orum

Orum is a platform that orchestrates instant bank-to-bank (A2A) transfers and verifies bank accounts in real time. It was founded in 2019 and is based in New York, and it operates in the United States.

Products Deliver handles FedNow, RTP and Same-Day ACH orchestration, while Verify provides account verification the company says takes 15 seconds. Smart Routing automatically selects the fastest available rail, in the order FedNow, then RTP, then Same-Day ACH. A payer-side integration therefore does not have to decide which network an institution supports.

Customers Stated target verticals are fintech, PSPs, marketplaces, lending, crypto and brokerage. Typical uses in these segments are funding accounts, disbursing loans and paying out sellers without waiting for slower batch cycles.

Pricing Orum charges an enterprise API rate per transaction. Rates, volume bands and onboarding requirements are not published. Since the rails differ in limits and availability, a business moving large amounts should ask how Orum handles transfers above network limits and what happens when a faster rail is unavailable.