Atomic has presented 1 V-Sum technical briefing. Lindsay Davis and Jeff Hoffer of Atomic demo Atomic's payroll-connectivity APIs — used by hundreds of thousands of consumers per month across challenger banks, neobanks, and online lenders to switch direct deposits, verify employment, and verify income. Atomic ships a standard SDK across iOS, Android, React Native, Flutter, and Kotlin that partners typically integrate in ~4 hours. The demo walks through launching Transact inside a partner app (passing a unique GUID and the destination account/routing number), distinguishing Deposit (write) flows from Identify/Verify (read) flows, and handling the employer-vs-payroll-provider selection. Atomic's conversion engineering is a differentiator: reverse-engineered in-modal password resets push authentication conversion to ~70%, and two-factor authentication (present in ~28% of logins) is handled inside the flow. Linked accounts enable periodic VOE/VOI refreshes without re-prompting the user. Partial direct-deposit switches power investing apps that want to route a percentage or dollar amount of each paycheck to a new destination without the user changing their primary bank.
Topics: Open Banking, Embedded Finance
V-Sum Five
Presented by Lindsay Davis & Jeff Hendren
Lindsay Davis and Jeff Hoffer of Atomic demo Atomic's payroll-connectivity APIs — used by hundreds of thousands of consumers per month across challenger banks, neobanks, and online lenders to switch direct deposits, verify employment, and verify income. Atomic ships a standard SD…