Complete eligible transfers at prices you set.
Not a deposit product.
Balances
Balances on both sides of each route you intend to serve.
For settlement operators
Provide Liquidity
Earn
Provide liquidity
If you already hold balances across supported networks, you can make them available to complete eligible transfers.
You quote terms for routes you serve. When a quote is selected, you complete delivery and retain that quote’s economics, subject to completion. Returns are not promised.
Qualify
Operations
You run your software, access, monitoring, and recovery.
Economics
Quotes
You set the price in each quote.
Selection
Selection can depend on more than price and is defined by the payment request: eligibility, capacity, and timing.
No promised value
Eligible requests may be available. Volume is not guaranteed.
Controls
Execution
A late or missed delivery can cost more than the fee in the quote.
Inventory
You can finish short on a network you still serve.
Operations
Access, retries, and recovery are yours to run.
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?
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.