Atomic (atomicvest.com) is an API platform that enables companies—especially those holding consumer deposits, like savings apps or banks—to embed professionally managed investment accounts directly into their services. By integrating Atomic's technology, businesses can offer their users seamless access to investment products without building in-house infrastructure or managing complex compliance themselves.
Atomic's core value lies in simplifying investment account setup and management for non-investment platforms. Rather than requiring customers to use a separate brokerage or investment app, Atomic allows consumer-facing fintechs, neobanks, or B2B platforms to add investment features natively, streamlining user experience and accelerating time to market for new financial products.
What technology enables Atomic's investment API?
Atomic leverages modern API technology to abstract the complexities of investment account onboarding, custody, and management. Their system connects client applications to regulated investment partners, handling tasks like compliance, account opening, portfolio selection, and ongoing management. This API-driven approach reduces the heavy lift typically required for fintechs or financial services companies to launch investment offerings, making it accessible even for smaller teams or non-financial companies.
Who uses Atomic and what problems does it solve?
Atomic is designed for companies that want to offer investment capabilities without building their own brokerage infrastructure. This includes:
- Fintech apps (personal finance, savings, or neobanks)
- Retail platforms seeking to add investment products
- B2B companies embedding investment features for their users
By using Atomic, these clients can quickly deploy compliant, managed investment accounts under their own brand, allowing end users to invest, save, or build wealth within a familiar platform.
Who are Atomic's competitors in the investment API space?
Atomic operates in the growing embedded finance and investment API sector. Key competitors and related platforms include:
- Plaid: Offers an Investments API for aggregating users' investment account data across institutions.
- Upvest: Provides an Investment API for building customized investment experiences, including portfolio management and savings plans.
- Modern Treasury: Focuses on banking APIs that enable embedded financial services, including treasury and payments.
- MX: Offers APIs for banks and fintechs to innovate with account and investment integrations.
- Stripe: Provides financial APIs for payments and is expanding into broader banking and investment services.
- BNY Mellon: Offers Investor Services APIs for access to holdings and transactions data.
- J.P. Morgan: Delivers APIs for treasury and investment data integrations.
- Kyriba: Provides open APIs for treasury and finance teams to access and manage financial data.
While some of these focus on data aggregation or treasury management, Atomic differentiates itself by offering a turnkey, managed investment account solution via API, targeting companies that want to embed investing directly in their consumer or B2B offerings.
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