White saum, silver saum-- can mean different things to different people, depending on their understanding, which isn't always consistent or accurate. So I'll dispense with that-- he's a rivulatus, which can have either gold/orange/reddish edged fins or white edged fins. The white finned ones used to be more common at lfs, but ime you now mostly see gold edged. The white edged rivulatus are sometimes mistaken for blue acara, especially by some who are used to seeing only the gold edged.
Anyway, looks like a nice one, but the dark color and dramatic bars is a mood thing, not their normal look... as mentioned already, no doubt due to stress or aggression in the tank. Gold one is showing stress bars also, along with a nipped off dorsal. In a different tank, either one would keep the fin color and show more normal body and head color.