Atomic
Atomic provides embedded investing, brokerage, and cash-management infrastructure via APIs and pre-built UI, letting fintechs, banks, credit unions, and consumer brands offer wealth products under their own brand without becoming regulated entities.
- Company typePrivate
- Founded2020
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Atomic does
Atomic is an embedded investing-as-a-service platform that lets fintechs, banks, credit unions, consumer brands, and crypto platforms offer brokerage, wealth management, and cash management products under their own brand without becoming a regulated entity. The platform is delivered through developer-first APIs, pre-built UI experiences, and a back-office dashboard, layered over two wholly-owned regulated subsidiaries: Atomic Invest LLC (SEC-registered investment adviser providing discretionary algorithmic asset management) and Atomic Brokerage LLC (FINRA-registered broker-dealer, SIPC member, with clearing and custody provided by Pershing LLC / Bank of New York Mellon). Atomic monetizes through a combination of recurring B2B platform/API licensing fees, transaction economics tied to $20B+ annualized trading volume routed through its brokerage infrastructure, fees from the FDIC-insured Atomic Cash Sweep program (which distributes client cash across 12 program banks for up to $2.5M FDIC coverage), and a separate zero-equity fixed-fee MedTech venture service. Customer segments include financial institutions (banks and credit unions such as One Nevada), consumer fintechs (NerdWallet, Daffy, Plenty, Bolt), B2B fintechs (Bluevine, Aspire), and crypto/digital-asset platforms (Uphold), with growing geographic reach across up to 60 markets via Pershing/BNY custody in the U.S. and a new EU foothold from the January 2026 acquisition of Netherlands-based MiFID-regulated Groene Hart Financial Diensten. Recent strategic priorities include expanding into Australia and the UK, broadening the product suite into bill payments (PayDirect) and MedTech venture services, and continuing to scale enterprise partnerships that embed Atomic infrastructure into millions of end-user accounts.
Atomic firmographics
Firmographics- Name
- Atomic
- Legal name
- AtomicVest, Inc.
- Website
- https://www.atomicvest.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Atomic provides embedded investing, brokerage, and cash-management infrastructure via APIs and pre-built UI, letting fintechs, banks, credit unions, and consumer brands offer wealth products under their own brand without becoming regulated entities.
- Ownership category
- akta.pro rank
Atomic industry classification
Industry- Product category
- Embedded Investing Platform (WealthTech Infrastructure / Brokerage-as-a-Service)
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Open-End Investment Funds (525910)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- Execution-Only / Self-Directed Investing Platforms (FSAAAAAI), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Atomic is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Atomic business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Cash Sweep program fees: Atomic Brokerage and third parties receive a fee for the Atomic Cash Sweep program, generated on customer deposit balances distributed across 12 program banks.
- Embedded investing platform / SaaS revenue from partners: Recurring platform and API access revenue from partners (fintechs, banks, credit unions, consumer brands) embedding Atomic's investing, brokerage, and cash management infrastructure. Reflected in growth such as 52x end-investor account growth and $20B+ annualized trading volume.
- Trading and brokerage transaction economics: Economics tied to $20B+ annualized trading volume processed through Atomic Brokerage on behalf of partner end-customers (stocks, ETFs, bonds, mutual funds, alternatives across 60+ markets).
- MedTech venture services (fixed-fee, zero-equity): Fixed-fee, zero-equity service combining legal, financial, and strategic support for MedTech startups; first cohort participant Contrario Medical secured $2.3M seed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | B2B platform/API licensing — quote-based |
| Other | — | Cash Sweep program economics |
| Other | — | MedTech venture service — zero-equity, fixed-fee |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Atomic product offering
Product offeringCore offering
Atomic operates an embedded investing-as-a-service platform that lets banks, credit unions, fintechs, and consumer brands launch investing, brokerage, wealth management, and cash management products in weeks rather than years. The platform combines developer-first APIs, pre-built UI experiences, and a back-office management dashboard layered over its own SEC-registered investment adviser (Atomic Invest LLC) and FINRA-registered broker-dealer (Atomic Brokerage LLC), with custody and clearing provided by Pershing LLC (BNY Mellon).
Product overview
Atomic operates an investing-as-a-service platform under the parent company AtomicVest, Inc., connecting partner fintechs and financial institutions to its two regulated subsidiaries: Atomic Invest (an SEC-registered investment adviser providing algorithmic discretionary asset management) and Atomic Brokerage (a FINRA-registered broker-dealer providing clearing, custody via Pershing, and trade execution). The platform is organized as a platform-plus-modules architecture: the unified AtomicVest platform delivers three core solution modules—Wealth Management, Cash Management, and Brokerage Services—each accessible via developer-first APIs, pre-built UI experiences, and a back-office dashboard. On top of these modules sit specific products including the Atomic Cash Sweep program (FDIC-insured, multi-bank cash distribution), Atomic PayDirect (recurring bill payments), and the Treasury APIs & Turnkey Experiences. Together, this offering lets any consumer-facing company embed compliant investing, savings, cash management, and wealth management features in weeks without becoming a regulated entity themselves.
Differentiator
Problem solved
Functional benefit
Brands
- Atomic Invest: SEC-registered investment adviser brand used by Atomic Invest LLC to deliver discretionary asset management services through online and mobile platforms.
- Atomic Brokerage
- PayDirect
Products and services
- AtomicVest Platform Core integrated platform that connects partner firms with Atomic's two regulated subsidiaries — Atomic Invest LLC (SEC RIA) and Atomic Brokerage LLC (FINRA broker-dealer) — via developer-first APIs, pre-built UI experiences, and a back-office dashboard, enabling fintechs and financial institutions to embed compliant investing, savings, and cash management in weeks.
- Wealth Management (Digital Wealth-as-a-Service)
Quantifiable outcome
- 52x growth in end-investor accounts over the prior year
- +6 more outcomes
Companies that use Atomic
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles4 records
Atomic technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature12 records
Atomic partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered flagship and core.
- AspireflagshipAspire embedded Atomic-powered treasury management (institutional-grade money market funds, U.S. Treasury bond investments, and cash sweep products) into its finance stack for global founders. Aspire serves over 50,000 businesses across 30+ markets. Atomic's offering is embedded directly within the existing Aspire platform so finance teams can allocate surplus cash alongside business-banking features.
- BoltflagshipMulti-year partnership in which Atomic powers white-labeled brokerage and investment functionality inside the Bolt SuperApp. Users can open brokerage accounts, trade stocks and ETFs, and invest through automated managed portfolios natively inside Bolt. Atomic provides regulated brokerage infrastructure (via Atomic Brokerage LLC) and portfolio management (via Atomic Invest LLC). Reaches Bolt's millions of shoppers on checkout, payments, and account management.
- Groene Hart Financial DienstenflagshipAtomic Invest acquired Netherlands-based MiFID investment firm Groene Hart Financial Diensten (headquartered in Mijdrecht; founded 1995 by Marcel van der Schaaf and Sander Cramer van den Bogaart; regulated by the Netherlands Authority for the Financial Markets). The acquisition gives Atomic an EU regulatory foothold to offer white-label wealth management, brokerage, and cash-management services to European fintechs and banks, with built-in local compliance and country-specific tax reporting.
- Contrario MedicalcoreFirst participant in Atomic's new integrated venture platform for MedTech startups combining legal, financial, and strategic support on a zero-equity, fixed-fee model. Contrario Medical recently secured $2.3M in seed funding after completing the program.
- BluevineflagshipPartnership empowering hundreds of thousands of small and medium-sized businesses with treasury management capabilities previously reserved for larger enterprises. Featured live on Bloomberg TV with Atomic CEO David Dindi discussing the deal, retail-investor access to private credit, and the state of the digital-asset ecosystem.
- One Nevada Credit UnioncoreAtomic helps One Nevada Credit Union offer investment services to its members — both automated investing and self-directed trading. One Nevada is one of the largest credit unions in Nevada, serving tens of thousands of members.
- NerdWalletflagshipAtomic-powered Treasury account for NerdWallet+ members fractionalizes T-bill ownership down to one-cent increments (eliminating the usual $1,000 minimum), enables seamless deposits and spending like a traditional checking account, and maintains state-and-local-tax-exempt interest yields.
- UpholdflagshipAtomic's FDIC-insured Cash Sweep program is fully integrated into the Uphold App, allowing crypto users to earn interest on idle cash (5% APY on balances ≥$1,000; 2% on balances <$1,000). Provides up to $2.5M in FDIC coverage. Launched first to Uphold's 2M+ U.S. customers with plans to expand to 12M customers globally.
- PlentycoreAtomic's wealth management product provides a digital investing experience to Plenty's customers with direct indexing, automated tax-loss harvesting, and values-based investing. Public launch occurred in May 2024. Plenty tripled the number of couples on its platform in January 2025.
- DaffycoreDaffy partnered with Atomic in 2023 to power investment advisory services and build new portfolios in weeks. The partnership expanded in July 2024 to launch a Custom Portfolio feature, supporting 460+ ETFs (members can propose portfolios of up to 10 ETFs with 1% allocation increments).
- YieldstreetcoreAtomic powers investing products for Yieldstreet, a private-markets investing platform, embedding brokerage and wealth-management capabilities into its consumer-facing platform.
- Pershing LLC (BNY)flagshipPershing LLC (Bank of New York Mellon) provides custody, clearing, brokerage custody, and other related services to Atomic Brokerage. Pershing Advisor Solutions also provides custody accounts for Atomic Invest. Together with BNY Mellon (G-SIB), Pershing provides custody of assets — the world's largest custodian bank — underpinning Atomic's regulated offering.
- Atomic Cash Sweep Program Banks (12 program banks)coreNetwork of 12 program banks — Webster Bank, Kennett Bank, Dayspring Bank, Banc of California, First Bank - Missouri, Kish Bank, Prime Alliance Bank, Pacific National Bank, SSB Bank, Farmers & Merchants Bank, Northbrook Bank & Trust, and Keystone Bank — providing FDIC-insured deposit accounts for Atomic's Cash Sweep program, enabling up to $2.5M FDIC coverage and same-day liquidity for clients.
Scale indicators11 records
Recent moves8 records
Expansion highlights5 records
Atomic competitors and assessment
Company assessmentDirect peers
- DriveWealth: DriveWealth is an embedded brokerage-as-a-service provider offering fractional share trading and custody infrastructure to fintechs and global platforms. It competes most directly with Atomic's Brokerage and Wealth Management modules for the same fintech and neobank customer base.
- Alpaca: Alpaca provides broker-as-a-service APIs for embedded trading, equities, ETFs, and crypto to developers and fintechs. It competes head-to-head with Atomic in the developer-first embedded brokerage segment.
- Apex Fintech Solutions: Apex provides clearing, custody, and embedded brokerage infrastructure powering many consumer investing apps. It overlaps with Atomic's regulated brokerage stack and competes for the same fintech and bank clients seeking white-label brokerage.
- Wealthsimple: Wealthsimple is a Canadian consumer investing and wealth platform that has begun offering B2B infrastructure to other financial institutions. It is a comparable model — combining regulated brokerage, RIA, and cash management under one roof — and competes for North American fintech and bank partners seeking white-label wealth experiences.
Broad incumbents
- Addepar: Addepar is an established wealth management technology platform serving RIAs, family offices, and large financial institutions. It overlaps with Atomic's Wealth Management module but is positioned more upstream toward advisor-led workflows rather than consumer fintechs.
- Marqeta: Marqeta is a leading card-issuing and embedded payments BaaS provider. While it competes in the broader embedded finance category rather than investing specifically, it addresses the same fintech and bank buyers and increasingly extends into cash management adjacent to Atomic's Cash Management module.
- Galileo Financial Technologies: Galileo (a SoFi subsidiary) provides banking-as-a-service infrastructure including accounts, card issuing, and payments. It competes for the same B2B fintech and embedded finance buyers as Atomic and overlaps in cash management use cases.
- Betterment: Betterment is a large consumer robo-advisor and B2B 401(k) platform. While primarily consumer-facing rather than B2B embedded, its technology stack overlaps with Atomic's wealth management and RIA offerings and it represents an adjacent model of how digital wealth can scale.
Emerging players
- iCapital: iCapital powers alternative investments (private equity, hedge funds, structured products) for wealth managers and advisors. It intersects with Atomic's Yieldstreet integration and alts/wealth offerings, representing a partial functional overlap in the embedded wealth category.
Others
- Plaid: Plaid provides financial data connectivity and account-linking infrastructure that underpins much of embedded finance. It does not compete directly with Atomic's brokerage/wealth stack but is a complementary enabler for the same fintech partner relationships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Atomic social profiles
Digital presenceAtomic compliance and trust
Trust signalCompliance4 records
Atomic financial estimates
Financial estimateRevenue estimate
Valuation estimate
Atomic leadership team
Management profileNumber of profiles
Profiles3 records
Atomic subsidiaries and ownership
Company hierarchySubsidiaries3 records
Atomic funding detail
Funding detailFunding overview
Funding rounds5 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Atomic M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Atomic
What does Atomic do?
Atomic operates an embedded investing-as-a-service platform that lets banks, credit unions, fintechs, and consumer brands launch investing, brokerage, wealth management, and cash management products in weeks rather than years. The platform combines developer-first APIs, pre-built UI experiences, and a back-office management dashboard layered over its own SEC-registered investment adviser (Atomic Invest LLC) and FINRA-registered broker-dealer (Atomic Brokerage LLC), with custody and clearing provided by Pershing LLC (BNY Mellon).
Is Atomic a public or private company?
Atomic is a private company. It is classified as venture growth investor backed and is currently operating.
When was Atomic founded?
Atomic was founded in 2020. It employs 1 to 10 people.
Where is Atomic based?
Atomic is headquartered in San Francisco, United States, in the North America region.
How does Atomic make money?
Four revenue lines are on record. Cash Sweep program fees are the primary driver. The others are embedded investing platform / SaaS revenue from partners, trading and brokerage transaction economics and medTech venture services (fixed-fee, zero-equity).
Who are Atomic's main competitors?
Direct peers on record are DriveWealth, Alpaca, Apex Fintech Solutions and Wealthsimple. Broad incumbents are Addepar, Marqeta, Galileo Financial Technologies and Betterment. iCapital is listed as an emerging player. Plaid is listed as an others.
Does Atomic have an API?
Yes. Atomic offers developer-first APIs for embedding investing, brokerage, wealth management, cash management, and treasury services into partner platforms. The platform exposes APIs for account opening, trading, portfolio management, fractional investing, direct indexing, treasury bills, money market funds, and FDIC-insured cash sweeps. Partners access Atomic's APIs and pre-built experiences to integrate investing and savings products in weeks without building in-house regulatory or operational capabilities. Authentication method, rate limits, versioning, and sandbox availability are not specified in the source material.
What industry is Atomic in?
Atomic's product category is Embedded Investing Platform (WealthTech Infrastructure / Brokerage-as-a-Service). Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAAAAAI, Execution-Only / Self-Directed Investing Platforms. Its NAICS code is 523940 and its SIC code is 6211.