Use case · Valuno ATLAS
Unlock working capital, reduce costs and gain control over global payments
Every CFO faces the same challenge: the business operates in real time, but cash often does not. International payments still move through multiple banks, correspondent networks, foreign exchange providers and reconciliation systems. The result is trapped liquidity, delayed settlement, unnecessary FX costs, operational complexity and limited visibility into where cash actually is.
Talk to us about ATLASWhile production, sales and supply chains have become increasingly digital, the infrastructure that moves money internationally has changed far more slowly.
ATLAS was built to solve this problem—not by replacing banks, but by connecting traditional banking infrastructure, stablecoins and blockchain settlement into one intelligent payment platform. Rather than forcing every payment through a predetermined banking route, ATLAS orchestrates the entire transaction, selecting the most appropriate combination of banking rails, liquidity providers and settlement methods for each payment.
For the CFO, the value is not blockchain technology itself. The value lies in better cash flow, lower payment costs, improved liquidity utilisation and greater financial control.
Today, a typical cross-border payment may pass through several correspondent banks, foreign exchange providers and local banking systems before reaching its destination. During this journey, funds are tied up, payment status may be difficult to track, multiple parties add fees, and treasury teams must reconcile transactions across several systems.
1–3 days to settle
Cross-border payments take too long.
Liquidity trapped
Funds tied up in correspondent banks and prefunding.
Higher costs
Multiple fees and FX spreads reduce margins.
Operational complexity
Reconciliation across multiple banks and systems.
Limited visibility
Hard to see where payments are or what they cost.
Banking hours
Payments stop at cut-off times, weekends and holidays.
Compliance & risk
High standards require strong control and auditability.
One orchestrated flow. Many rails. The best outcome.
Sender
Payment initiated from the customer bank account (EUR, USD, etc.)
Bank money in
Funds held with a regulated banking partner
Regulated conversion
Fiat converted to an approved stablecoin by a licensed partner
ATLAS settlement
Value moves across blockchain infrastructure in minutes, 24/7
Regulated conversion
Stablecoin converted back to local fiat
Bank money out
Funds delivered through the local banking rail
Recipient
Payment arrives in the recipient bank account
ATLAS simplifies this process by providing a regulated fiat on-ramp through banking partners, converting funds into stablecoins where appropriate, settling them instantly across blockchain networks and converting them back into local currency before delivering them directly into the recipient’s bank account. To the customer, the payment still appears as a normal bank transfer. Behind the scenes, however, the settlement infrastructure has been fundamentally modernised.
Money no longer spends several banking days travelling through intermediary institutions. Settlement can occur almost instantly, allowing liquidity to become available much sooner. Instead of cash remaining trapped while payments are processed, it can be redeployed into the business more quickly, improving overall liquidity management.
Every intermediary in a traditional payment chain typically adds fees, foreign exchange spreads or operational overhead. By reducing the number of intermediaries and optimising the settlement path, ATLAS lowers the overall cost of moving money internationally.
Instead of managing several banking portals, wallet providers and payment systems independently, treasury teams receive a consolidated view of balances, transactions, counterparties and settlement status. ATLAS combines wallet management, compliance, settlement and real-time reporting within one platform, making cash management more transparent and reducing operational complexity.
Traditional cross-border payments frequently wait for daily processing windows, weekends or public holidays before moving. Businesses, however, increasingly operate around the clock. ATLAS enables settlement twenty-four hours a day, seven days a week, allowing companies to respond immediately to urgent supplier payments, time-sensitive trading opportunities or changing liquidity requirements.
Faster payments should never come at the expense of financial control. ATLAS incorporates customer and business verification, wallet screening, sanctions controls, approval workflows, transaction monitoring, audit trails and real-time reporting into the payment process itself. This allows CFOs to benefit from faster settlement while maintaining the governance, compliance and internal controls expected within modern treasury operations.
€120,000–190,000
annual savings
In one real-world customer example presented by Valuno, a business processing approximately €2 million in monthly cross-border payments reduced conversion costs by between 0.5 and 0.8 percentage points.
Real-world customer case. Results vary based on routes, currencies and volumes.
Consider a European manufacturer paying suppliers across Latin America, Asia and the Middle East.
Today
With ATLAS
Treasury maintains full visibility throughout the process while the underlying complexity remains invisible to the business.
Perhaps the most important difference between ATLAS and many other payment platforms is that it is built around orchestration rather than a single payment rail. The future of payments will not rely exclusively on banks, stablecoins or blockchain. These infrastructures will coexist, each serving different purposes. The competitive advantage lies in intelligently selecting the most appropriate route for every transaction.
Bank money
Where bank money works best.
ATLAS
The orchestration and control layer.
Stablecoins
Where digital settlement works best.
Ultimately, ATLAS is not simply a faster way to move money. It is a new financial infrastructure that helps CFOs optimise working capital, reduce payment costs, improve liquidity utilisation and strengthen treasury operations without abandoning the security and regulatory framework of traditional banking.
Corporate Treasurer
Real-time control of global liquidity
Head of Payments
Modernising cross-border payment infrastructure
Chief Risk Officer
Reducing risk in cross-border payment infrastructure
Chief Compliance Officer
Compliance by design for modern payments
CEO
Building a faster, smarter and more resilient payments infrastructure
Tell us about your payment flow and we’ll show you how ATLAS can connect the right rails.
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