Send Anywhere
Send a payment from a supported source to a supported destination, even when they are on a different network
The open payments network
You keep the customer, keys, policies. Atum coordinates the payment across supported rails. Independent operators complete delivery.
Get access
Mission
Build on open rails
You keep the customer, keys, policies. Atum coordinates the payment across supported rails. Independent operators complete delivery.
Get access
How it works
Request
Approve each payment the same way you would approve a transfer. Atum never has keys to your account.
Accept
Atum accepts the payment request after checking it against your rules.
Quote
Independent providers quote a price to complete the transfers. One quote is selected.
Deliver
The selected provider sends money on the receiving network. Your funds stay on hold until delivery is confirmed.
Confirm
A receipt with confirmation is provided for each payment’s origin and destination.
Solutions
One network for all perspectives
Whether you send, accept, embed, or complete the transfer – you only connect once. Atum coordinates the rest.
Accept from Anywhere
Buyers pay from a supported network they already use. Receive the asset and destination you specify.
Agent Native Payments
Software can initiate a payment under your instructions, permissions, and limits.
Embed the Rail
Offer sending and accepting payments from your product, without standing up a new network yourself for each route.
Settle on the Network
Independent settlement operators complete eligible transfers on their own pricing, timing, and risk terms.
Earn Fees
Provide liquidity
Earn rewards for completing eligible transfers with balances you hold, at prices you set.
You keep control. Atum coordinates.
Atum never holds your keys or funds. Every payment either completes, or refunds, and leaves on-chain records you can audit yourself.
Keys stay with the payment originator.
You sign every payment request. Atum never sees a private key.
Released only after delivery
Funds stay in a settlement vault until delivery is proven, or they’re refunded.
Control fulfillment
Name the settlement operators allowed to fulfill. Atum enforces it on every quote.
Proof on both chains
Get a transaction hash from each chain, verifiable in any block explorer.
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.