Your money never sleeps.Neither does your AI.
KREXUM is the AI-native financial operating system. One intelligent agent manages your earning, saving, spending, investing, and borrowing — 24/7, across every asset class.
$54B lost to fees. 3.5B without credit.
Traditional finance wasn't designed for the AI age.
Lost to Fees
Hidden banking fees, FX spreads, and payment processing costs drain wealth from billions of people every year.
Without Credit
Traditional credit scoring excludes half the planet. No score means no loans, no mortgages, no financial mobility.
Sitting Idle
Trillions in savings accounts earn near-zero interest while inflation erodes purchasing power silently.
7 Intelligent Modules. One Agent.
Your Personal Finance Agent handles everything.
EARN
AI yield farming across 100+ DeFi protocols
PAY
Instant cross-border payments in 180+ currencies
SAVE
4 smart vaults from conservative to aggressive
INVEST
Algorithmic portfolio management across 496+ markets
SPEND
3-tier card system with 1-5% cashback in KRX
CREDIT
On-chain behavioral credit scoring with 6 factors
PROTECT
AI risk engine with real-time fraud detection
3 Steps to Financial Intelligence
From signup to autopilot in minutes.
Sign Up
Create your KREXUM account in under 60 seconds. No paperwork, no minimum balance, no credit check required.
AI Activates
Your Personal Financial AI (PFA) agent initializes. It learns your goals, risk tolerance, and financial situation.
Money Grows
Your agent works 24/7 — optimizing yields, managing risk, making payments, and building your credit score autonomously.
8 AI Models. Infinite Intelligence.
Multi-model architecture powering every financial decision.
Claude Sonnet 4
Deep Strategy & Risk Analysis
Tier 1 — PremiumGPT-4o
General Advisory & Conversation
Tier 1 — PremiumDeepSeek R1
Quantitative & Mathematical
Tier 1 — PremiumGemini 2.5 Flash
High-Speed Data Processing
Tier 2 — PerformanceLlama 3.1 70B
Ultra-Fast Responses
Tier 2 — PerformanceMistral Large
12 Languages & Regulatory
Tier 2 — PerformanceSonar Large
Live Search & Breaking News
Tier 3 — SpecialistQwen 2.5 72B
Reports & Asia-Pacific
Tier 3 — SpecialistThe Currency of Intelligent Finance
Revenue-backed, deflationary, governance-enabled.
Token Specs
Staking Tiers
Token Distribution
On-Chain Credit Scoring
Build your financial reputation without banks or bureaus.
Credit Tiers
Micro-loans up to $100, basic Circle participation
Loans up to $1,000, reduced collateral (80%)
Loans up to $10,000, 50% collateral, premium rates
Loans up to $50,000, 25% collateral, best rates
Uncollateralized loans up to $100,000, institutional rates
8 Specialized Agents.
Each agent is a specialist. Together, they're unstoppable.
Yield Agent
Scans DeFi protocols for optimal risk-adjusted yields. Auto-compounds and rebalances.
Trading Agent
Executes algorithmic strategies across 496+ markets. Grid, DCA, momentum, and arbitrage.
Savings Agent
Manages smart savings vaults. Allocates between stablecoins, bonds, and fixed-income.
Risk Agent
Monitors portfolio risk in real-time. Auto-hedges, sets stop-losses, and manages drawdowns.
Macro Agent
Analyzes global economic data, central bank policy, and market regimes to position your portfolio.
Credit Agent
Builds and optimizes your on-chain credit score. Identifies actions to improve your tier.
Payment Agent
Routes cross-border payments through optimal corridors. Handles FX conversion and settlement.
Insurance Agent
Scans DeFi insurance markets for coverage. Auto-buys protection for smart contract risk.
Built for Institutions
API-first infrastructure for hedge funds, family offices, and fintechs.
Institutional API
REST & WebSocket APIs for hedge funds, family offices, and fintech partners. SLA-backed.
Custom Strategy Builder
No-code and Python SDK for building proprietary strategies. Full backtesting suite.
Multi-Sig Treasury
Enterprise treasury management with multi-signature governance and audit trails.
Regulatory Engine
Built-in compliance for MiCA, SEC, FATF, KYC/AML across 50+ jurisdictions.
White-Label Deployment
Deploy KREXUM agents under your own brand. B2B licensing for neobanks and fintechs.
Tax-Loss Harvesting
Automated tax optimization across all positions. Supports US, EU, UK, and Asia tax codes.
Building the Future of Finance
5 phases from foundation to global scale.
Protocol Launch
Q2 2026CurrentToken IDO, AI Agent v1, staking & governance launch. Target: 10K users.
Product Expansion
Q3 2026AI Agent v2, virtual card launch, mobile apps (iOS + Android). Target: 50K users.
Credit & Circles
Q4 2026On-chain credit scoring, savings circles, multi-chain deployment. Target: 200K users.
Scale
Q1 2027Agent marketplace, multi-chain expansion, banking license application. Target: 500K users.
Global
Q2 2027+Multi-language AI agents, enterprise B2B solutions, 1M+ users. Full financial OS.
Krexum Technologies - FZCO
Dubai Silicon Oasis • IFZA License #77813
Dubai, UAE
IFZA Free Zone, Dubai Silicon Oasis. Licensed for AI Development & Software Design.
AI-Native
8 LLM models, 14 function-calling tools, real-time market intelligence across 3 continents.
On-Chain
KRX Token on Base L2. Smart contracts for staking, vesting, credit scoring, and group savings.
Join the Waitlist
Be among the first to experience AI-powered finance.