Atomic
Also a provider — view Atomic’s profile →“Can Atomic own the 'action layer' — direct-deposit, payment-method, and subscription switching — that turns read-only bank/payroll data into money movement inside every financial app?”
Founded2019
HQSalt Lake City / Holladay, UT, USA
FoundersJordan Wright, Scott Weinert, Andrea Martone
Total raised$72.4M
Latest roundLater Stage VC, $10M (per PitchBook)
IndustryInfrastructure / Payroll
The story
Atomic began as a payroll-connectivity API — 'Plaid for payroll' — enabling direct-deposit switching, income/employment verification, and tax-document access. It has since broadened into an 'action layer' for financial apps: payment-method switching (PayLink), subscription and bill management, and merchant-account authentication via on-device browser automation (Uplink). The 2026 PayDetect launch and Plaid partnership signal a move up the stack into transaction intelligence, competing/cooperating with aggregators rather than only payroll systems.
Last 12 months
2026-07
Product timeline
2019
Atomic founded by Jordan Wright, Scott Weinert, and Andrea Martone (Wright and Weinert previously built Unbill, acquired by Q2 Holdings).· founding
2022
Partnership with Hydrogen to embed payroll connectivity into white-label debit card programs.· partnership
2024
Achieved PCI attestation for PayLink in addition to SOC 2 Type 2.· compliance
2026
PayDetect listed as a partner in Plaid's transactions partner docs, enabling income + subscription insights over existing Plaid connectivity.· partnership
2026
Partnership with Odynn to power travel/loyalty account connectivity via Atomic's Uplink browser-automation platform.· partnership
The stack
6 layers disclosed in Atomic’s embedded-finance stack
Card issuing
Card network
in the full report
Payroll
in the full report
Open banking
in the full report
Unified APIs
in the full report
KYC
in the full report
Accounting gap: none
7 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.