Atomic FI, Inc.

Atomic FI, Inc. is a financial technology company that offers innovative connected banking solutions to enhance customer engagement and streamline financial management for users and financial institutions. Founded in 2019 and headquartered in Salt Lake City, US, Atomic FI, Inc. specializes in developing connected banking products.

The company has raised a total of USD 35. 19 mn through 4 deals, with the most recent being a Series B round in November 2021, co-led by Mercator Partners and Greylock Capital Management. The founders, Jordan Wright, Scott Weinert, and Ute Chandoni-Goebel, have a history of fostering innovation in financial services, with Jordan Wright serving as the current CEO. Atomic offers a suite of connected banking products designed to enhance customer engagement and streamline financial management.

Their core offerings include tools for subscription management, direct deposit switching, payment method updates, and income verification. These products enable users to visualize and manage recurring expenses, negotiate better billing rates, and consolidate financial activities within a single banking application. Atomic's services primarily cater to financial institutions and fintech companies seeking to integrate advanced financial capabilities into their platforms. The geographical markets for these products extend across the United States, where they serve end users such as consumers managing personal finances, as well as businesses looking to enhance their payment solutions for customers.

Atomic generates revenue through strategic partnerships with financial institutions and fintech platforms, facilitating B2B transactions aimed at enhancing customer financial experiences. Their business model revolves around providing software solutions that empower institutions to offer innovative features to their end users. Revenue is derived from the implementation of subscription-based services for features like direct deposit switching and subscription management tools, which help users optimize their financial commitments. Each of these services may involve structured pricing arrangements based on usage or integration levels, contributing to Atomic's revenue stream from its client base.

The company focuses on ensuring that clients can deliver superior financial management capabilities, thereby enhancing their competitiveness in the market. In April 2025, Atomic FI, Inc. raised USD 10 million in venture funding from Capital One Ventures, Citi Ventures, and FNB Capital Corporation. Upcoming initiatives include enabling consumers to qualify for and repay financial obligations directly from their paycheck, accessing earned but unpaid wages ahead of their pay cycle, and utilizing the market's first passwordless authentication with proprietary Uplink technology.

The company plans to enhance its product offerings and support expanding market reach across the United States.