> ## Documentation Index
> Fetch the complete documentation index at: https://docs.atum.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Treasury management

> Move liquidity across payment rails and subsidiary treasuries — without correspondent banking fees, complexity, or delays.

## 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.

<CardGroup cols={3}>
  <Card title="Finance teams" icon="building-columns">
    Rebalancing liquidity across rails or repatriating funds across subsidiaries.
  </Card>

  <Card title="Payment processors and PSPs" icon="arrows-rotate">
    Settling to partners or merchants on different rails.
  </Card>

  <Card title="Finance operations" icon="file-invoice-dollar">
    Intercompany transfers without correspondent banking chains.
  </Card>
</CardGroup>

## 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.

| You                                                    | Atum                                     |
| ------------------------------------------------------ | ---------------------------------------- |
| Hold source funds and signing keys                     | Find a settlement provider for the route |
| Specify source token, destination token, and recipient | Coordinate the settlement across rails   |
| Reconcile against your ledger                          | Return a settlement receipt              |

## Try it

<CardGroup cols={2}>
  <Card title="Try it (CLI)" icon="terminal" href="/get-started/start-building/using-the-cli">
    Send a payment from your terminal in minutes
  </Card>

  <Card title="Integrate (SDK)" icon="code" href="/get-started/start-building/build-with-the-sdk">
    Add payments to your backend service
  </Card>
</CardGroup>

## Next steps

* [Payouts](/get-started/use-cases/payouts) — send to external recipients: contractors, gig workers, or aid recipients
* [Supported networks](/get-started/reference/supported-networks) — available rails and token pairs