Use case · Valuno ATLAS
ATLAS for Corporate Treasurers
Real-time control of global liquidity
Corporate treasury has evolved dramatically over the past decade. Treasury teams are no longer responsible simply for moving money between bank accounts. They are expected to optimise liquidity, minimise funding costs, manage foreign exchange exposure, ensure regulatory compliance, reduce operational risk and provide real-time visibility into global cash positions.
Talk to us about ATLAS Yet the infrastructure supporting international payments remains largely unchanged. Cross-border payments still depend on multiple correspondent banks, foreign exchange providers and reconciliation processes, creating delays, trapped liquidity and operational complexity.
ATLAS enables treasury to move beyond simply executing payments. It transforms payments into a strategic liquidity management tool by combining regulated banking infrastructure, stablecoin settlement and intelligent payment orchestration within a single platform. Rather than replacing existing banking relationships, ATLAS connects them into one integrated settlement architecture, allowing treasury to optimise how every payment is executed.
The treasurer’s challenges today
For a corporate treasurer, one of the greatest challenges is trapped liquidity. Funds frequently remain tied up while international payments move through correspondent banking networks, waiting for cut-off times, foreign exchange processing and intermediary approvals. During this period, cash is unavailable for investment, debt reduction or operational needs.
Payments take time due to intermediaries and banking cut-offs.
Funds tied up in transit and prefunding requirements across currencies.
FX spreads, multiple fees and operational overhead reduce margins.
Multiple banks, systems and manual reconciliation.
Hard to see where payments are and when they will settle.
Payments stop at cut-offs, on weekends and holidays.
High standards require strong controls, approvals and auditability.
How ATLAS works
One orchestrated flow. Many rails. The best outcome.
01 Source
Customer bank account (EUR, USD, etc.)
→
02 Fiat on-ramp
Regulated banking partner handles compliance, KYB and controls
→
03 Regulated conversion
Fiat converted into stablecoins where appropriate
→
04 ATLAS settlement
Instant stablecoin settlement, 24/7 across global networks
→
05 Regulated conversion
Local currency conversion by a regulated partner
→
06 Fiat off-ramp
Delivery through the appropriate local banking rail
→
07 Beneficiary
Recipient bank account in local currency
ATLAS significantly reduces settlement time by using stablecoins as the settlement instrument between regulated fiat on- and off-ramps, allowing value to move continuously rather than according to banking hours. Liquidity becomes available sooner, improving overall cash utilisation and reducing the need for prefunded balances.
Key benefits for treasury
01 Greater visibility
Traditional cross-border payments often require treasury teams to monitor multiple banking portals, reconcile transactions manually and wait for payment confirmations from different institutions. ATLAS consolidates payment execution, wallet management, settlement, compliance and reporting into a single operational view. Treasurers gain real-time insight into balances, transaction status, counterparties and settlement progress, making it easier to manage daily liquidity positions and produce accurate cash forecasts.
02 Payment orchestration
Today’s treasury departments increasingly have access to multiple payment rails, including SWIFT, SEPA Instant, domestic payment systems, card networks and stablecoin settlement. The challenge is no longer obtaining access to these networks—it is determining which one should be used for each transaction. ATLAS acts as an orchestration layer that evaluates available routes based on currency, destination, liquidity, compliance requirements, settlement speed and cost before automatically selecting the optimal path.
03 Operational resilience
Businesses increasingly operate across multiple time zones and cannot always wait for banking hours before releasing urgent supplier payments or moving liquidity between entities. ATLAS supports settlement twenty-four hours a day, seven days a week, allowing treasury to respond immediately to changing business requirements while maintaining full governance and control.
04 Governance at the centre
Treasury requires much more than fast settlement. It needs segregation of duties, approval workflows, transaction limits, audit trails, sanctions screening, KYB controls, role-based permissions and complete reporting. ATLAS integrates these controls directly into the payment lifecycle, enabling enterprise-grade treasury operations while benefiting from modern settlement infrastructure.
Example use case
Consider a multinational company managing suppliers across Europe, Asia and Latin America.
Today
- Treasury initiates payments through several banking relationships
- Manages multiple foreign exchange providers
- Waits one to three business days before funds become available
- Cash forecasts remain uncertain while payments are in transit, and reconciliation consumes significant operational effort
With ATLAS
- Treasury initiates a single payment instruction
- The platform selects the optimal payment route
- Converts fiat into stablecoins where appropriate and settles almost instantly
- Converts funds into the destination currency and delivers them into the beneficiary’s local bank account
Treasury monitors the entire process through one platform with real-time visibility and complete auditability.
The strategic value
For a corporate treasurer, the value of ATLAS is therefore not simply faster payments. It is the ability to manage global liquidity more efficiently, optimise working capital, reduce operational complexity, improve cash forecasting and maintain full control over cross-border payment operations.
Bank money
Existing banking relationships, connected rather than replaced.
ATLAS
The orchestration layer that selects the optimal route.
Stablecoins
The settlement instrument between regulated on- and off-ramps.
By orchestrating banking rails, stablecoins, liquidity providers and compliance into one integrated settlement platform, ATLAS enables treasury to focus less on moving money and more on optimising how the company’s capital is deployed.
Ready to explore ATLAS?
Tell us about your payment flow and we’ll show you how ATLAS can connect the right rails.
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