Overview
Your treasury holds tokenized currency where your liquidity sits. Moving it to where you need it — a different rail, a different subsidiary, a counterparty on another network — traditionally means correspondent bank chains, manual routing decisions, and multi-day settlement windows. Atum replaces that chain with a single API call, routing your transfer to settlement providers that compete on price.Finance teams
Rebalancing liquidity across rails or repatriating funds across subsidiaries.
Payment processors and PSPs
Settling to partners or merchants on different rails.
Finance operations
Intercompany transfers without correspondent banking chains.
Problem space
Atum solves:- Multi-day settlement windows through correspondent banking chains
- Capital trapped in pre-funded accounts
- Separate accounts and manual reconciliation per subsidiary rail
How it works
You submit a payment request specifying source rail, destination rail, and recipient. Atum routes it to a settlement provider that moves the funds, then returns a settlement receipt confirming delivery on both rails.Shared responsibility
Atum handles the transfer infrastructure — you stay in control of funds and decisions.Try it
Try it (CLI)
Send a payment from your terminal in minutes
Integrate (SDK)
Add payments to your backend service
Next steps
- Payouts — send to external recipients: contractors, gig workers, or aid recipients
- Supported networks — available rails and token pairs