Fluency's Aureum revolutionary CBDC future-proof technology resolves one of the biggest frictions of Web 3.0 uniting CeFi and DeFi. Fluency enables companies to lead the way in financial services innovation helping clients who want to participate in using new digital currency flows, while getting ready for sovereign CBDC launch. Aureum enables the movement of money across a variety of payment flows on Aureum and beyond providing truly universal, inclusive, seamless, near-zero cost transactions while ensuring a superior level of resilience and privacy. At its core, a ledger-stored, account-based CBDC solution with privacy by design, offline functionality, cross-chain interoperability and programmability as key features. Aureum features include: · Dual offline & off-chain functionality · Interoperability with multi-digital assets using one platform · Programmability · Privacy · Upgradability · Scalability - greater than RTGS systems and DeFi public networks Fluency was incorporated in 2019 in London, United Kingdom and has offices in New York, US, and Dublin, Ireland (European Union). Fluency is one of only two companies selected to both CBDC projects working on the world's most traded currencies - Digital Pound and Digital Euro, selected to join by the Bank of England and the European Central Bank. Fluency is a part of the US-Federal Reserve’s new FedNow Service Provider Showcase helping other organizations implement instant payments.