“Can a direct-entity EOR own the full global employment stack — payroll, mobility, benefits, and now expense cards — without third-party handoffs?”
Elements Global Services operates as Atlas HXM (Atlas Technology Solutions, Inc.), a direct Employer of Record (EOR) covering 160+ countries. Unlike hybrid EOR competitors (Deel, Rippling, Multiplier), Atlas owns and operates its own legal entities globally, positioning itself as the largest direct EOR. Recent product expansion into expense cards signals a move toward embedded finance adjacent to core payroll and mobility services.
ELEMENTS GLOBAL SERVICES's payroll is powered by Atlas HXM (in-house).
The Embedded Finance Index 2026 maps 2 layers in ELEMENTS GLOBAL SERVICES's stack: Payroll (Atlas HXM (in-house)); Spend / AP (Atlas HXM Expense Management (in-house)).
Get a read on where your own stack stands against ELEMENTS GLOBAL SERVICES and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.