Send, accept, embed, or settle a payment
Solutions
Accept payments
Receive the asset and network you specify. The buyer can pay from a different supported network.
Integration
Embed Atum
Payment companies can offer sending and accepting across supported networks, without a new stack for each route.
Settlement
Provide settlement on the network
Settlement operators complete eligible payments. Atum does not operate a settlement agent.
Your own quotes
You set the quote. Atum does not set your margin.
Your balances
You fund the supported networks you intend to serve.
Your operation
You deploy, configure, and operate the agent yourself.
Your policies
One setup can serve the routes the network supports.
Commerce
Agentic payments
Software can initiate or accept a payment under your instructions, permissions, and limits (and continue from a receipt).
Common Questions
What people ask first
Does Atum hold our money?
No. Atum does not take principal custody in its ordinary role. Funds are committed until release conditions are met. You control your own account.
Is Atum a bank, a card network, or a new currency?
None of those. It is an open payments network that sits above existing payment networks. It does not issue a currency, operate a blockchain, or become your customer’s bank.
Can we send or receive on any network, in any currency today?
No. Supported networks and assets are a live list, and early access is concentrated on routes we have tested. Ask which route fits your flow so we can ensure it’s hardened for use.
Can we go live right now?
Not automatically. We are currently in early access: apply to build and test. Production use is a separate approval. Start with a test payment before moving to a live customer flow.
Join the network
Send a payment instruction. Atum handles the checks, quotes, delivery, and receipt so you don’t have to create a new stack.