---
title: "Solutions"
id: "143"
type: "page"
slug: "solutions"
published_at: "2026-09-15T06:30:56+00:00"
modified_at: "2026-10-09T18:33:35+00:00"
url: "https://atum.xyz/solutions/"
markdown_url: "https://atum.xyz/solutions.md"
---

# Solutions

Send, accept, embed, or settle a payment

[Start sending](https://docs.atum.xyz/settle-payments/what-is-an-atum-settlement)

### Send payment

Send funds from a supported source network.

[Start sending](https://docs.atum.xyz/payment-protocols/overview)

### 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.

[Integration guides](https://docs.atum.xyz/get-started/start-building/build-with-the-sdk)

Settlement

## Provide settlement on the network

Settlement operators complete eligible payments. Atum does not operate a settlement agent.

[See who qualifies](/provide-liquidity/)

### 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).

[See how](https://docs.atum.xyz/payment-protocols/overview)

[x402, MPP Pay or get paid Your agent hits an x402 (or you gate one). Payment is signed, verified, and settled automatically.](https://docs.atum.xyz/payment-protocols/overview)

[x402, MPP Get paid for a resource Gate an API, tool, or dataset. Agents pay automatically to get through.](https://docs.atum.xyz/get-started/overview/how-an-atum-payment-works)

[Send a payout Your agent decides mid-task that someone needs to be paid. No human approval, no rail lookup.](https://docs.atum.xyz/get-started/overview/how-an-atum-payment-works)

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.

[Get access](/contact/)