KAELUM Products & Features
Every product powering the world's first Agentic Ai-Native, non-Crypto, Closed-Loop Digital Commerce Currency built for Customers, Creators, and Merchants.
KAELUM is an Agentic Ai-Native, non-crypto closed-loop commerce currency. Customers spend KLM Units at participating merchants and receive a 6%+ merchant discount; a 4.5% platform transaction fee applies. Every transaction, reward, and compliance decision is governed in real time by the K.A.T.E. Ai engine.
The core commerce currency of the KAELUM ecosystem. Fixed at £0.20 a Unit, with ecosystem health measured by the Kaelum Value Index (KVI). Hard-capped total supply of 96.3 billion Units across three reserve tiers. Units are issued and credited, never minted. Only Merchants and Creators can redeem KLM earned through commerce for GBP. We consider this closed-loop design falls within the exclusion at regulation 3 of the UK Electronic Money Regulations 2011.
The Agentic Ai-Native mechanism that measures ecosystem health across transaction volume, participation and merchant activity. KLM itself stays fixed at £0.20, so the KVI tracks the strength of the network rather than a moving price, keeping KLM a reliable unit of commerce and not a tradable asset.
The intelligence layer governing every transaction, reward, valuation, and compliance decision across the platform. Built exclusively on Claude by Anthropic, using specialised Claude instances for compliance reasoning, financial governance, and real-time AML monitoring.
Branded sub-currencies created by platforms, merchants, and customers. Each KSC is a currency within the currency, operating under full KAELUM governance. Minimum supply of 2,000,000 Units at £0.20 each. KSC owners earn 2.5% commission on every transaction value, paid monthly in KLM.
1.2% of every completed purchase is allocated from the 4.5% platform fee to the Kaelum Performance Reserve. Half funds instant KLMback; half funds a quarterly pool shared among active customers (60%), merchants (25%) and creators (15%) in proportion to completed commerce. Nothing is minted, rewards are spendable KLM, and they are never a return on holding KLM.
KAELUM's Agentic Ai-Native cashback reward product. When customers spend KLM at participating merchants, a percentage is credited back to their KAELUM account instantly as KLM. KAELUM's rate rises with activity tier and is funded from 1.2% of every purchase allocated from the platform fee; merchants can add their own boosts, up to a combined 14%. KLMback is spendable KLM and cannot be cashed out.
A complementary engagement reward layer alongside KLMback. KAELUM Points are earned through ecosystem participation, including spending, referrals, social commerce activity, and platform engagement. KP are convertible into KLM.
Three verification tiers define access, limits, and rewards. Verified Customer: £6/month. Verified Creator: £9/month. Verified Merchant: £12/month. Velocity tiers (Bronze to Diamond) reflect activity and set KLMback rates.
A rotating savings and group commerce product built natively into KAELUM. Merchants, Creators, and Customers can form Commerce Circles, structured groups where members contribute KLM each round, with one participant receiving the full pooled amount per cycle, creating cooperative liquidity within the ecosystem.
A dynamic activity-based score that tracks how actively a participant engages with the KAELUM ecosystem. Higher velocity scores unlock larger KPR multipliers (up to 10x for Diamond tier), increased spending limits, exclusive product access, and elevated trust status across the platform.
A closed-loop digital asset marketplace where verified users and merchants can create, list, buy and resell Tesserae (Non-Fungible Tesserae): digital collectibles and branded assets. Platform fee: 9% on initial sale. Creator royalty of 4.5% applies on all secondary market resales.
A time-limited digital product drop system allowing Merchants and Creators to release exclusive Tessera-backed commerce assets directly to their audience. Drops can be tied to real products, access passes, or branded collectibles, each activating KLMback and full K.A.T.E. governance on redemption.
Automated sanctions screening, real-time transaction monitoring, and AML compliance infrastructure built natively into K.A.T.E. and the Triovus governance engine. Built to support the anti-money laundering obligations of KAELUM under the UK Money Laundering Regulations.
A structured identity verification framework applied to all KAELUM participants. Customers, Creators, and Merchants are subject to tiered KYC checks governed by K.A.T.E., ensuring compliance with UK and EU anti-money laundering regulations and enabling higher account limits and trust levels.
A public, K.A.T.E.-computed ranking of participants based on their trust score, a composite of transaction reliability, compliance standing, dispute history, and platform contributions. High trust scores unlock premium product access, elevated KPR multipliers, and ecosystem-wide credibility signals.
A centralised storefront and catalogue management environment where merchants and creators can list products, manage inventory, and accept KLM. Connected to K.A.T.E. for real-time transaction processing, KLMback reward triggering, and performance reporting.
A frictionless KLM payment acceptance layer enabling any verified merchant or creator to accept KAELUM commerce currency online, in-app, or in-store. Integrates with existing checkout flows via a lightweight API.
Ai-governed commerce agreements that automate payment terms, discount thresholds, volume commitments, and reward conditions between merchants and customers. Built and enforced by K.A.T.E., with full audit trails and milestone-based execution.
Instant, shareable KLM payment links generated by Creators and Merchants for use across social media. Every link activates KLMback, KAELUM Points, and commission tracking automatically on purchase.
Personalised, trackable commerce URLs that Merchants and Creators can share across any channel. Each Commerce Link captures click-through analytics, conversion data, and KLM attribution, giving participants full visibility into the ROI of every campaign and audience touchpoint.
An interactive simulation environment powered by K.A.T.E. that allows Merchants and Creators to model the impact of discount rate changes, transaction volume growth, and participation milestones on their KAELUM Value Index score and KLM earnings.
A KLM-native point-of-sale interface enabling merchants to accept in-person payments directly from the KAELUM platform. The POS Terminal supports QR-based payment flows, real-time balance verification, and instant KLMback reward triggering, bringing the full Kaelum commerce experience to physical retail.
Ask K.A.T.E. for a product in plain language, such as "a black hoodie in XL under £60". K.A.T.E. searches live KAELUM merchants, checks the merchant's real sizes, colours and stock, and lists the matches. Tap Buy with K.A.T.E. on the one you want and approve it on the merchant's own page.
Every agent purchase is shown to you before anything is paid: item, options, price, discount, delivery address and why K.A.T.E. chose it. Approve with one tap, with Face ID, fingerprint or a security key at or above your passkey threshold.
Set K.A.T.E.'s authority once in plain terms: what it may do, per-purchase and period limits, which merchants and categories, and when it expires. Suspend or revoke in one tap. Fully autonomous buying is built but switched off platform-wide until the independent legal opinion is in place.
Every purchase carries a fingerprinted record of how K.A.T.E. read your request, what it considered, the evidence it checked and the rules it applied. If anything is unclear or sensitive, K.A.T.E. asks you rather than guessing. Ask "why did you buy that?" at any time.
Each agent purchase and refund is sealed in the OBSIGNIA tamper-evident ledger together with its decision record, so anyone can verify what was paid and why.
Standing orders: ask K.A.T.E. to buy an item when it is back in stock or drops below your price. K.A.T.E. checks every 30 minutes and asks you to approve the purchase when the moment comes.
Cancel before shipping or return within 14 days of delivery from your order page; accepted returns refund your KLM automatically. Safety limits and fraud checks run on every agent purchase, and you can pause all agent buying in one tap.
Paid K.A.T.E. orders reach the merchant by email and in Merchant Center with size, colour and delivery address, and can be created automatically in the merchant's Wix, Shopify or WooCommerce store as paid orders.
When a product is not on KAELUM yet, Discover and K.A.T.E. show businesses that may stock it. Customers can tell them they want to pay with KLM, and businesses see how many customers searched for them each month.
Browser Ai agents on a participating merchant's site can discover products, quote KLM prices and start a KAELUM checkout through WebMCP tools. The customer always completes the payment.
Ai agent platforms register with KAELUM and receive an agent key. Checkouts their agents start show as Verified by KAELUM; unregistered agents show as not verified and can be required to use a passkey.
On the 1st of each month, customers receive a statement of what K.A.T.E. bought, what it held back for approval and why, refunds, and spend against each mandate's limits.
A dedicated dashboard giving Creators full visibility over their KLM earnings, audience engagement, content performance, and reward activity. The Creator Portal connects every income stream, pay links, commerce drops, referrals, and social commerce, into a single intelligent command centre.
An Ai-powered workspace for creators to optimise listings, analyse audience behaviour, track royalties, and discover collaboration opportunities. K.A.T.E. surfaces actionable insights to help creators grow their presence, maximise earnings, and identify the highest value commerce moments.
A structured referral programme enabling Creators to earn KLM by introducing new customers, merchants, and fellow creators to the KAELUM ecosystem. The hub tracks referral attribution, displays earnings in real time, and provides shareable links optimised for each platform.
A dedicated treasury management interface for Creators who hold KAELUM Sub-Currency slots. Creators can monitor their KSC positions, track monthly commission earnings, and access K.A.T.E. treasury recommendations, all from a single creator-focused dashboard.
A creator-native link-in-bio commerce tool that consolidates all KLM pay links, product drops, and commerce content into a single shareable profile. Social Links are fully tracked, KLMback-enabled, and designed to convert social media audiences into active KAELUM spenders.
The central operations hub for merchants on KAELUM. Provides a real-time overview of sales, KLM inflows, discount performance, customer activity, and K.A.T.E. recommendations, enabling merchants to manage their entire KAELUM commerce presence from one place.
A configurable discount management system allowing merchants to define custom KLM spending discounts beyond the 6% platform minimum. K.A.T.E. analyses transaction data and recommends optimal discount rates to maximise conversion and KLMback effectiveness for each merchant profile.
An interactive modelling tool that projects a merchant's monthly and annual KLM commission earnings based on their Sub-Currency slot count, transaction volume, and velocity tier. Helps merchants understand the full economic value of holding and issuing KAELUM Sub-Currencies.
Automated, K.A.T.E.-generated performance summaries delivered weekly to merchant accounts. Each report covers transaction volume, KLM earned and distributed, KLMback activity, discount performance, and forward-looking recommendations to optimise the following week's commerce activity.
An Ai-powered competitive intelligence tool that monitors market signals, competitor activity, and ecosystem trends relevant to a merchant's sector. K.A.T.E. synthesises findings into structured intelligence briefs and proactive alerts, helping merchants stay ahead of their market without manual research.
Your central agentic commerce account, powered and governed by K.A.T.E. It provides a real-time overview of your KLM balance, transaction history, cash flow forecasting, and Ai-generated financial insights, all in one intelligent dashboard designed to keep you in control of your finances with minimal effort.
An intelligent bill payment system that lets merchants and creators schedule, manage, and pay recurring business expenses directly from their KLM balance. K.A.T.E. monitors your payment obligations, flags upcoming due dates, and ensures your operational costs are settled efficiently without manual intervention.
A streamlined payout management tool for merchants and creators to receive their earned KLM directly to their account. Whether from sales, commissions, or platform rewards, K.A.T.E. automates the reconciliation and disbursement process so your earnings land in your KAELUM account promptly and accurately.
A KLM-native payroll solution that enables merchants to pay team members, contractors, and staff directly in Kaelum Units. K.A.T.E. handles scheduling, payment execution, and transaction logging, removing the friction of traditional payroll systems and bringing commerce-native compensation to your business.
A strategic treasury management dashboard that allows merchants and creators to define allocation targets across operating funds, reserves, and growth capital. K.A.T.E. monitors your treasury positions in real time and autonomously recommends rebalancing actions to keep your financial posture aligned with your goals.
An Ai-powered transaction reconciliation engine that automatically matches your KLM transactions against invoice references and business records. K.A.T.E. surfaces discrepancies, flags anomalies, and provides a clear audit trail, dramatically reducing the manual effort required for accurate financial record-keeping.
A commerce credit facility that gives eligible merchants access to a revolving KLM credit line to fund purchases and operational expenses. K.A.T.E. evaluates your credit tier, sets appropriate limits, and enables you to offer buy-now-pay-later options to your own customers, all within the Kaelum ecosystem.
A merchant cash advance product that provides eligible businesses with upfront KLM liquidity based on their projected revenue. Repayments are swept automatically as a percentage of incoming sales, meaning your repayment pace flexes with your actual performance, no rigid fixed instalments.
A suite of trade finance tools enabling merchants to manage cross-border commercial transactions with KLM at the centre. It supports escrow-backed trade settlements, FX rate management, document vaulting, and counterparty verification, bringing institutional-grade trade infrastructure to Kaelum commerce.
The Kaelum Cross-Currency Settlement system, enabling merchants to settle transactions across multiple fiat currencies and jurisdictions using KLM as the settlement layer. K.A.T.E. handles FX rate caching, compliance certification, and monthly settlement reporting automatically.
A dynamic, Ai-computed credit score that evaluates your Kaelum commerce activity to produce a tiered creditworthiness rating (A to E). K.A.T.E. analyses transaction patterns, vault behaviour, repayment history, and more, then surfaces actionable improvement suggestions to help you unlock better financial products.
An intelligent invoice processing hub that ingests, parses, and analyses your business invoices using K.A.T.E.'s document Ai. It detects duplicates, identifies recurring patterns, flags anomalies, and can initiate invoice finance advances, turning your accounts payable into a strategic financial asset.
A receivables financing tool that lets eligible merchants convert projected future income into immediate KLM liquidity. K.A.T.E. prices the advance based on your revenue forecast and credit tier, then sweeps repayments automatically as revenue arrives, giving you working capital without waiting for invoices to clear.
An early payment solution that allows merchants and creators to pay supplier invoices ahead of their due date in exchange for negotiated discounts. K.A.T.E. calculates the savings versus the cost of early settlement, helping you optimise cash flow while strengthening supplier relationships.
A real-time cash flow monitoring and forecasting tool that gives merchants and creators a live view of their liquidity position. K.A.T.E. analyses inflow/outflow trends, projects future balance states, and proactively recommends actions, such as unlocking reserves or adjusting payment timing, to prevent liquidity stress before it occurs.
Platform-level buyer protection for non-delivery, fraud or disputed transactions on eligible purchases, for a small KLM fee. If something goes wrong, K.A.T.E. assesses the claim and a person reviews the outcome, giving buyers and merchants a fair, consistent process.
An Ai-driven business valuation tool that generates indicative estimates of a merchant's commerce value based on KSC economics, revenue history, Tesserae holdings, and operational health. K.A.T.E. produces a detailed narrative report with confidence levels, driver breakdowns, and actionable suggestions to improve your valuation over time.
An intelligent matchmaking service for merchants interested in acquisitions, mergers, or strategic partnerships. K.A.T.E. analyses your M&A profile and scores potential matches across the Kaelum ecosystem, facilitating double-opt-in introductions and managing the structured process through to due diligence, all within the platform.
A structured due diligence framework that enables merchants engaged in M&A processes to share verified financial, operational, and compliance data with counterparties on a consent-by-category basis. K.A.T.E. generates detailed diligence reports, manages access permissions, and maintains a full audit log of all data disclosures.
An Ai-assisted tax compliance tool that generates structured, jurisdiction-ready tax reports from your KLM transaction history. Supporting UK, EU, and MTD-compliant formats, K.A.T.E. categorises income and expenditure, flags anomalies for review, and produces export-ready datasets you can share directly with your accountant.
A purpose-built financing product for merchants seeking structured growth funding beyond a standard advance. K.A.T.E. assesses your eligibility, evaluates your credit tier and revenue trajectory, and, upon approval, credits a defined KLM amount to your account with a transparent sweep-based repayment schedule tied to your ongoing sales.
Crypto is powered by Blockchain. KAELUM is powered by Ai.
Frequently Asked Questions
What is KAELUM?
KAELUM is the world's first Agentic Ai-Native, non-crypto, closed-loop digital commerce currency. Customers buy KLM at a fixed £0.20 a Unit and receive a 6%+ merchant discount when spending at participating merchants; a 4.5% platform transaction fee applies. Every transaction is governed by the K.A.T.E. Ai engine.
How is KAELUM different from cryptocurrency?
KAELUM is not a cryptocurrency. It uses Ai governance instead of blockchain, operates in a closed-loop ecosystem instead of open markets, and provides stable value instead of speculative volatility. KLM Units are not traded on exchanges.
How does the 6%+ discount work?
The discount is applied at the point of spending. When customers spend KLM Units at participating KAELUM merchants, the merchant applies a discount of at least 6%, and the 4.5% platform transaction fee is added to the discounted price. KAELUM Commerce Reserve (KCR) Account holders receive a minimum 9% discount.
What is K.A.T.E.?
K.A.T.E. (Kaelum Audivo Triovus Engine) is KAELUM's Ai Chief Operating Officer, built exclusively on Claude by Anthropic. It governs every transaction, reward calculation, valuation decision, and compliance check across the platform in real time.
Is KAELUM regulated in the UK?
KAELUM is not authorised by the FCA. KAELUM uses a closed-loop design which we consider falls within the exclusion at regulation 3 of the UK Electronic Money Regulations 2011 and the corresponding exclusion under the EU E-Money Directive 2009/110/EC. An independent legal opinion on this has not yet been obtained. SENTINEL provides real-time AML monitoring and sanctions screening on every transaction.
What is KLMback?
KLMback is KAELUM's Agentic Ai-Native cashback reward product. When customers spend KLM at participating merchants, a percentage is credited back instantly to their KAELUM account as spendable KLM. KAELUM funds a base rate from 1.2% of each purchase, and merchants can add boosts, up to a combined 14%. KLMback cannot be cashed out.
What is KXCS?
KAELUM Cross-Border Commerce Settlement (KXCS) is a B2B settlement product using KLM as the universal settlement medium, enabling businesses to settle cross-border transactions without Visa, Mastercard, or correspondent banking fees.
Who can participate in KAELUM?
KAELUM has three first-class participant types: Customers (consumers who buy and spend KLM), Creators (individuals and brands using social commerce and the Creator Portal), and Merchants (businesses that accept KLM and can access Commerce Credit, KLM Advance, KXCS, and Trade Finance).
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.