Re-imagining payment solutions for casual workers and employers, using digital automation to improve speed, flexibility, control and transparency. Valorem is a payments program designer, builder and manager of middleware focused on connecting large scale enterprise solutions with multiple additional technologies and functionalities. We have several integrations into providers of select services such as card issuing, payment processing, PayTo, digital wallets, and KYC/KYB service providers. We also have developed inhouse cash flow forecasting, money management and loan origination services and a complex decisioning engine.