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, where settlement operators compete on price for your transfer.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. A settlement operator, selected by price quote, moves the funds, and Atum verifies the delivery. See Atum payment lifecycle.Who does what
You hold the source funds and signing keys, choose what moves where, and reconcile against your ledger. Settlement operators move the funds, and Atum verifies the delivery. The full split: Who owns what.Try it
Quickstart (using CLI)
Send a payment from your terminal in minutes
SDK quickstart
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