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Atomic
Atomic provides the regulated brokerage infrastructure that fintechs and banks embed to offer investing, cash management, and custom-indexed wealth...
Atomic
Atomic, an SEC-registered investment adviser in NEW YORK, NY, was registered in 2021. The firm manages $320 million in regulatory assets under management on a discretionary basis. It has 21 employees and 21 investment advisers.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
New York
Corporate office
San Francisco, CA, United States
Additional offices
New York · Chicago · Los Angeles
Sector focus
Frequently asked questions
Does Atomic serve end consumers directly, or does it work through partners?
Atomic is a pure infrastructure play. It does not market investment products to retail consumers under its own brand. Consumer fintechs, financial institutions, and B2B platforms embed Atomic's wealth-management, cash-management, and brokerage capabilities into their own apps. The partner owns the customer experience; Atomic operates the regulated advisor and broker-dealer behind the scenes.
What regulatory licenses does Atomic hold?
Atomic operates an SEC-registered investment advisor and a FINRA-member broker-dealer. Its partner institutions benefit from that licensing umbrella without needing to pursue their own RIA or broker-dealer registrations. Custody is maintained at BNY Pershing and Bank of New York Mellon, which is the world's largest custodian bank.
How does Atomic's European expansion change its product scope?
Atomic entered Europe through the acquisition of Groene Hart Financiële Diensten, using that entity as its regulatory and operational anchor. The move allows Atomic to offer the same embeddable brokerage and wealth infrastructure to fintechs and banks domiciled in European markets, extending its turnkey model beyond its U.S. licensing footprint.
Which asset classes can Atomic's partners actually offer their end clients?
The platform supports fractional equities, bonds, mutual funds, ETFs, and alternative investments, spanning both U.S. and international markets. Within the wealth-management vertical, partners can launch automated strategies such as custom indexing and bond laddering. Cash-management capabilities include FDIC-insured sweeps, money market funds, and Treasury bill access.
Who competes directly with Atomic in embedded-wealth infrastructure?
Atomic operates in the embedded-finance layer where competitors include broker-dealer-as-a-service providers such as DriveWealth and Alpaca, and BaaS platforms that extend into wealth and brokerage rails. Atomic differentiates by bundling regulated advisory, brokerage, and a custody relationship with BNY Pershing under one API contract.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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