Atomic’s 2025 Year in Review: Turning Financial Moments Into Action

In financial services, the moments that define relationships aren’t browsing moments — they’re action moments: setting up direct deposit, paying a bill, switching a payment method, or getting control of recurring spend.

This year marked a meaningful turning point for Atomic. Across deposits, payment switching, and bill management, we focused on one thing: making those moments fast, embedded, and effortless to turn complex workflows into simple, confident actions. From major launches to strategic investment, 2025 was about moving from infrastructure to impact.

Making payment switching work when it matters most

Atomic’s payment switching solution saw some of its biggest gains to date. A redesigned user experience drove a 3× increase in conversion, while Apple Face ID reduced friction at the moment of authentication. Reliability continued to improve — with over 90% conversion across our top 15 connectors and the majority of switching tasks completing in under 30 seconds.

The result: faster, more dependable switching experiences that hold up at scale.

Smarter bill management, built for engagement

In 2025, Atomic’s bill and subscription management product created new ways for users to engage meaningfully with their banking app. We introduced order monitoring and SKU-level transaction data, giving consumers clearer insight into their spending while helping institutions reduce chargebacks and disputes.

We also launched PayNow, bringing greater convenience to paying bills. With PayNow, consumers can view, manage, and pay bills directly inside their bank or fintech app, turning a stressful moment into one of control. For institutions, it maintains presence at a critical financial touchpoint and keeps users within the banking app to complete payments.

Atomic’s bill management platform helps transform everyday interactions into meaningful moments that build trust and long-term engagement. We’re so excited for the momentum of this product and everything to come in 2026.

Introducing Uplink: Solving the hardest integration problems

We announced the launch of Uplink, a new platform designed for the parts of financial infrastructure that still aren’t API-friendly.

Uplink connects fragmented systems where no OAuth flows or APIs exist, while avoiding the reliability challenges of traditional web scraping. By enabling secure, credential-less automation, Uplink allows teams to modernize workflows that were previously brittle or manual, unlocking speed without compromising security.

Early use cases already show strong potential, and we’re excited to see how Uplink will grow in 2026.

Launched CoAuth to streamline direct deposit switching

We introduced CoAuth in February to give users a simpler way to authenticate with payroll systems and to help our partners improve direct deposit conversion. It has delivered meaningful results with 2.4x higher conversion rates.

CoAuth lets users verify their identity with basic personal information instead of entering usernames and passwords. After identity is confirmed, it completes authentication using the payroll provider’s existing two-factor process, keeping the experience both secure and familiar.

This approach reduces friction, increases conversion rates, and supports reliable direct deposit switching across major payroll providers.

Industry momentum: Atomic in the market

Atomic’s momentum showed up across the industry, with leading banks and platforms launching switching experiences powered by Atomic:

• PNC, Truist, Citizens Bank, and Regions Bank rolled out direct deposit switching
• Galileo announced the launch of payment switching

A major milestone: $10M strategic investment

We also announced a $10 million strategic investment, led by Capital One Ventures, Citi Ventures, and F.N.B. Corporation.

This milestone reinforces Atomic’s focus on financial connectivity, account primacy, and embedded action, and supports our mission to create experiences that champion upward financial mobility for all.

Looking ahead

As financial products continue to converge, differentiation is shifting to something else: who can help consumers take action.

Atomic is becoming the financial action layer — where money gets directed, optimized, and put to work. When direct deposit setup is frictionless, when bills can be managed and paid in-app, and when payment methods can be switched in seconds, banks and fintechs move from being a place people check to a place people rely on.

That’s how primacy is earned: by showing up at the moments that matter, removing complexity, and making action feel effortless. We’re building toward a future where the best financial apps don’t just inform, they help consumers follow through. And we’re just getting started.

We’re grateful to our customers and partners for helping make this year a meaningful one, and we look forward to continuing our work together in the year ahead.