Use case · Valuno ATLAS

ATLAS for Heads of Payments

Modernising cross-border payment infrastructure

For a Head of Payments, the challenge is no longer simply moving money from A to B. The role increasingly involves balancing speed, cost, liquidity, regulatory requirements, operational resilience and customer expectations across a fragmented landscape of banks, payment networks, currencies and jurisdictions.

Talk to us about ATLAS

Valuno ATLAS provides a new infrastructure layer for moving value internationally – combining the reach and programmability of stablecoins with regulated access to traditional bank money.

Stablecoins can address some of these limitations by enabling near-instant, 24/7 transfer of value. But most companies do not want to become crypto infrastructure operators themselves. They need stablecoins to connect seamlessly with the banking system.

The challenge

Cross-border payments still frequently depend on correspondent banking chains, multiple intermediaries and separate systems for messaging, settlement, FX and reconciliation. For the Head of Payments, this can mean:

Unpredictable settlement times

High and sometimes opaque transaction costs

Limited visibility into payment status

Dependency on correspondent banks and cut-off times

Trapped liquidity across multiple accounts and currencies

Complex reconciliation processes

Difficulty integrating digital assets and stablecoins into existing payment operations

How Valuno ATLAS helps

ATLAS acts as an orchestration and settlement layer between traditional payment infrastructure and blockchain-based money. Instead of requiring the organisation to build its own stablecoin infrastructure, establish multiple blockchain integrations or redesign its payment architecture, ATLAS provides a controlled route between fiat currencies, stablecoins and regulated settlement partners.

Connect

Seamlessly connects fiat currencies, stablecoins and regulated settlement partners.

Route

Routes value through the most appropriate infrastructure for each stage of the transaction.

Settle

Enables near-instant, 24/7 settlement using stablecoins, with conversion to and from bank money.

How a payment flows with ATLAS

Customer → Local bank money → ATLAS → Stablecoin settlement → ATLAS → Local bank money → Beneficiary

Customer

Payment initiated in the originating country

Local bank money

Funds held in the originating market

Fiat to stablecoin

Conversion by regulated partners

Stablecoin settlement

Value moves across blockchain infrastructure

Stablecoin to fiat

Conversion by regulated partners

Local bank money

Destination country banking rail

Beneficiary

Payment received in local currency

The stablecoin becomes a settlement rail rather than something the corporate customer or beneficiary necessarily needs to hold or manage. To the customer and beneficiary, it remains a conventional payment.

What this means for the Head of Payments

Accelerate settlement

International value can move across blockchain infrastructure in minutes or seconds rather than depending entirely on traditional correspondent banking chains.

Extend payment availability

Blockchain settlement operates 24/7, reducing dependence on banking hours, weekends and international cut-off times.

Reduce intermediary dependency

Selected payment corridors can potentially bypass parts of the traditional correspondent banking chain.

Improve payment visibility

Digital settlement provides greater traceability of where value is within the transaction lifecycle.

Optimise liquidity

Faster settlement can reduce the amount of working capital that needs to remain distributed across currencies, accounts and payment providers.

Create new payment corridors faster

Rather than establishing a complete banking infrastructure for every market, ATLAS can provide a common settlement architecture connecting multiple fiat endpoints.

Introduce stablecoins without becoming a crypto operator

The organisation can gain access to blockchain-based settlement while ATLAS and its regulated partners handle the underlying conversion and settlement infrastructure.

Example use case

Consider a payment provider serving merchants in Europe whose suppliers and customers operate across Europe, Asia, the Middle East and Latin America.

Today

Multiple banking relationships
Correspondent networks
FX providers
Prefunded accounts to support those flows

With ATLAS

Selected transactions are converted from fiat into an appropriate stablecoin
Transferred across blockchain infrastructure
Converted back into the required destination currency through regulated partners
To the customer, it remains a conventional payment

Behind the scenes, however, the settlement architecture has changed.

The strategic value

For the Head of Payments, ATLAS is therefore not primarily a crypto product. It is a way of introducing an additional settlement rail into the organisation’s payment architecture. Traditional banking rails remain important. Stablecoins do not have to replace them. Instead, ATLAS allows the payment function to determine which infrastructure is most appropriate for each transaction, corridor and liquidity requirement.

Bank money

Where bank money works best.

ATLAS

Connecting the two.

Stablecoins

Where digital settlement works best.

For the Head of Payments, that creates the possibility of faster settlement, lower friction, better liquidity utilisation and a payment infrastructure capable of operating continuously across borders.

The use case at a glance

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Other use cases

CFO

Unlock working capital, reduce costs and gain control over global payments

Corporate Treasurer

Real-time control of global liquidity

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

Ready to explore ATLAS?

Tell us about your payment flow and we’ll show you how ATLAS can connect the right rails.