KAELUM Reserve Framework
A fiat-backed digital commerce currency with a 96.3B KLM capped supply
Tier 1
Commerce Reserve
36.9B KLM
Active for all consumer and merchant transactions within the KAELUM retail ecosystem
Tier 2
Government & Institutional
36.9B KLM
Reserved for verified government and institutional participation in national and inter-country settlements
Tier 3
Inter-Bloc Settlement
22.5B KLM
Supports global trade partnerships and large-scale institutional settlements
Fiat Reserve Backing
Each KLM unit is backed 1:1 by fiat currency held in KAELUM's custodial reserve accounts managed through Stripe
KAELUM operates as Digital Fiat Representations (DFR) - not cryptocurrencies or tradable assets
Redemption rights are restricted to verified merchants, institutions, and governments
All reserves are non-speculative and fully auditable through K.A.T.E.'s compliance monitoring
What is KAELUM?
KAELUM ('Kay-Lum') is a Closed Loop Agentic Ai-Native Digital Commerce Currency Platform built for real-world commerce. With a total capped supply of 96.3 billion Units, KAELUM unlocks instant discounts, fuels loyalty rewards and powers seamless payments across E-Commerce, In-Store QR Transactions and Social Commerce platforms.
Powered by Ai Chief Operating Officer K.A.T.E.
Our advanced Ai Engine, built entirely on Claude by Anthropic, works behind the scenes to optimise Value, enhance Security, and deliver Personalised Insights for Customers, Creators and Merchants.
Fully Agentic. Governed by You.
KAELUM is built as an Agentic Ai-Native platform. K.A.T.E. and its specialised agents carry out the work behind every transaction, while you keep the controls. Anything sensitive passes a human approval gate before it takes effect.
K.A.T.E. governs the rails. You govern the spend.
Set the Permission Level for Every Capability
You decide how much freedom each agent has, one capability at a time, and you can change it whenever you like.
Recently Shipped Agentic Capabilities
New Agentic Ai features are now live across the platform, each with governance and human oversight built in.
K.A.T.E. runs entirely on Claude by Anthropic, matching the depth of reasoning to the weight of each decision: fast, efficient models for routine monitoring, and the most capable tier for governance, complex compliance and high-stakes financial analysis.
How KAELUM Works
A simple, Powerful and Rewarding experience for everyone in the E-Commerce Ecosystem.
For Customers
Imagine shopping online and getting rewarded every time you pay.
- Shop Smarter: At Checkout, select "Pay with KAELUM" at partnered stores.
- Save Instantly: Every payment gives you from 6% and up off money back in your pocket.
- Commerce Circles: Join community savings groups where members contribute KLM each round and take turns receiving the pot.
- NFT Commerce Drops: Purchase digital-physical NFTs - authenticity certificates, experience passes, loyalty collectibles, and pre-order reserves.
- Inheritance Designation: Protect your KLM balance by designating up to 5 beneficiaries who can claim your Units.
- Track with Ease: Your account shows your KAELUM balance side by side with your local currency.
- Spend with Confidence: KLM is fixed at £0.20 per unit, so your balance holds a stable, predictable value across the whole network.
Transaction Fee: All transactions will incur a 4.5% fee.
For Creators
Turn your audience into a revenue stream with KAELUM-powered social commerce.
- Create Pay Links: Generate Shoppable links for your content across any platform.
- Earn Commission: Get rewarded everytime your audience shops through your referral links.
- Effortless Settlement: Each month, Redeem your KLM Units for Cash at the current Unit price.
- Commerce Links: Create branded pay-links and QR codes for your content across any platform, with real-time click and conversion tracking.
- NFT Commerce Drops: Issue Digital NFTs including Experience Passes, Loyalty Collectibles, and Pre-order Reserves, with a 4.5% Royalty commission structure.
- Creator Intelligence: Ai powered dashboard with correlation analytics, revenue forecasting, and customer flow insights tailored to your creator profile.
- Grow with KAELUM: As the ecosystem scales, your reach expands across a growing network of merchants and creators.
Transaction Fee: All transactions will incur a 4.5% fee.
For Merchants
Think of KAELUM as more than just a payment option. It is a built-in growth engine for your business.
- Seamless Checkout: Customers choose "Pay with KAELUM". No extra steps, just savings.
- Effortless Settlement: Each month, Redeem your KLM Units for Cash at the current Unit price.
- Delight Your Customers: Offer exclusive discounts from 6% and up that bring shoppers back again and again.
- Commerce Links: Generate branded pay-links with QR codes, bulk CSV generation, invoice linking, and embeddable widgets for your store.
- NFT Commerce Drops: Issue authenticity certificates, experience passes, loyalty collectibles, and pre-order reserves, bridging physical products with digital ownership. 4.5% royalty commission on resales.
- Merchant Intelligence: Ai powered dashboard with correlation analytics, 30-day revenue forecasting, and customer flow insights.
- Scale with Adoption: As KAELUM scales, wider merchant and customer adoption drives repeat spending, larger baskets, and stronger loyalty across the network.
Transaction Fee: All transactions will incur a 4.5% fee.
KAELUM uses K.A.T.E. intelligence, built entirely on Claude by Anthropic, to enhance your experience while maintaining the highest standards of privacy and security:
- K.A.T.E.'s intelligence layer is built entirely on Claude by Anthropic, deployed as specialised instances across execution and governance functions
- All personally identifiable information (PII) is automatically redacted before Ai processing
- The unified Claude architecture ensures consistent compliance and governance across all Ai operations
- Conversation transcripts are not stored by default and can be disabled entirely
- All Ai interactions are logged with hashed identifiers for security auditing
Not Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.Zero chargebacks by design. KAELUM Merchants get paid in real Money, every time.K.A.T.E. Governs the Rails. You Govern the Spend. Agentic Banking is live on KAELUM.Creators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.Become a KSC currency operator. Earn 2.5% commission on every transaction your sub-currency generates.KAELUM Tesserae: Ai-governed Non-Fungible digital assets of ownership and access.If you still think Loyalty Points are a Reward, you have never been Paid to Shop. KAELUM Users have!KLM is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.Spend KLM Units. Save 6%+ at every participating Merchant. Real value with every purchase.Not Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.Zero chargebacks by design. KAELUM Merchants get paid in real Money, every time.K.A.T.E. Governs the Rails. You Govern the Spend. Agentic Banking is live on KAELUM.Creators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.Become a KSC currency operator. Earn 2.5% commission on every transaction your sub-currency generates.KAELUM Tesserae: Ai-governed Non-Fungible digital assets of ownership and access.If you still think Loyalty Points are a Reward, you have never been Paid to Shop. KAELUM Users have!KLM is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.Spend KLM Units. Save 6%+ at every participating Merchant. Real value with every purchase.Not Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.Zero chargebacks by design. KAELUM Merchants get paid in real Money, every time.K.A.T.E. Governs the Rails. You Govern the Spend. Agentic Banking is live on KAELUM.Creators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.Become a KSC currency operator. Earn 2.5% commission on every transaction your sub-currency generates.KAELUM Tesserae: Ai-governed Non-Fungible digital assets of ownership and access.If you still think Loyalty Points are a Reward, you have never been Paid to Shop. KAELUM Users have!KLM is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.