Whether you send, accept, embed, or complete the transfer – you only connect once. Atum coordinates the rest.
Send Anywhere
Send a payment from a supported source to a supported destination, even when they are on a different network
Solutions
One network for all perspectives
Send Anywhere
Send a payment from a supported source to a supported destination, even when they are on a different network
Send Anywhere
Send a payment from a supported source to a supported destination, even when they are on a different network
Send Anywhere
Send a payment from a supported source to a supported destination, even when they are on a different network
Send Anywhere
Send a payment from a supported source to a supported destination, even when they are on a different network
Commerce
Agentic payments
Software can initiate or accept a payment under your instructions, permissions, and limits (and continue from a receipt).
x402, MPP
Get paid for a resource
Gate an API, tool, or dataset. Agents pay automatically to get through.
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.
The problem
The industry didn’t get faster.
It got more fragmented
Currencies & chains
Every corridor invents its own rails. A payment that crosses three currencies crosses three incompatible systems to do it
Wallets
Custody and settlement got bundled together by default, so companies inherit banking-license problems just to move money
Closed systems
Coordination between networks is manual, brittle, and re-solved by every new entrant from scratch
Featured
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Earn Fees
Provide liquidity
Earn rewards for completing eligible transfers with balances you hold, at prices you set.
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.
Risk
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.
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.
Join Us
Conviction over noise. Our roadmap comes from what we believe money movement should look like — not from whatever a competitor shipped last week.
Built by the people it’s for. We are, ourselves, the builders this network serves. Every rough edge we’d hate to hit as developers is one we fix before we ask anyone else to live with it.
Solid infrastructure on your terms
You approve
You approve the payment from your own account.
Atum never holds funds
Source funds are committed on the source network until delivery is confirmed.
Settlement operator marketplace
Atum provides the rails to coordinate delivery, but it does not settle funds.
Receipts
You receive confirmation from both networks. Those records belong to the networks, not Atum.