Overview
A settlement is the actual movement of value that fulfills a payment initiator’s request: A settlement operator is the party that provides the liquidity and executes that transfer. Settlement operators compete to fulfill each payment request, and specify the fees they will charge via quotes. The selected quote wins and settles the payment request. Each settlement operator runs independent from Atum, bringing their own liquidity, setting their own pricing, and running their own credentials, controls, and software. Atum provides the settlement infrastructure and network protocol, allowing settlement operators to focus purely on execution.Why settle on Atum?
Focus on execution
Let Atum manage multi-rail settlement infrastructure, so you can focus on delivering value.
Activate idle liquidity
Put tokenized balances you already hold to work by fulfilling live payment demand and setting your own fees.
Multi-rail reach
Reach settlement demand across every rail on the network — a single agent serves all supported chains and corridors.
Am I a settlement operator?
Organizations that hold tokenized liquidity and want to charge fees for settling payments typically operate a settler:Tokenized currency issuers
Facilitate widespread distribution of your token.
Market makers
Leverage existing multi-rail liquidity infrastructure.
Liquidity providers
Put idle tokenized balances to work in settlements.
Trading firms
Provide settlement services with existing multi-chain operations.
You don’t have to be a settlement operator to use Atum. Payment initiators route requests to a network of independent operators — running your own agent is only for those who want to provide liquidity and charge fees for settlement.