Atlas for Platform
Embedded Collections, FX and Payouts for your underlying buisness customers/merchants for non-regulated customer usecases.
Atlas for Platform — overview
Atlas for Platform enables neobanks, wallets, marketplaces, and embedded finance providers to offer multi-currency financial services to their underlying clients under a single Verto integration.
Each client operates as a legally isolated sub-account — a direct Verto customer who has consented to their account being operated by your platform.
Atlas for Platform vs Atlas for FintechUnlike Atlas for Fintech, all financial activity on Atlas for Platform must originate at the sub-account level. Funds cannot be swept or aggregated to the parent account. Each sub-account is a legally independent entity with its own wallets, collection accounts, and payment flows.
How it works
Atlas for Platform sub-accounts are PARTNER_REFERRED entities — Verto's direct customers, with your platform operating their account on their behalf under their explicit consent. This means:
- All collections, FX, and payouts are initiated at sub-account level
- Your platform authenticates as each sub-account to perform operations on their behalf
- Revenue is generated through FX markup applied to sub-account transactions
- Funds cannot be swept to the parent account
End-to-end flow
The table below outlines the typical end to end flow most Atlas customers require as a baseline.
| Step | API Action | API Reference Link |
|---|---|---|
| Create Sub-Account | Create a new sub-account under the parent account. | Create a Sub Account |
| Add Onboarding Data | Provide required business, shareholder, product, and risk information for each sub account | Add Onboarding data |
| Upload Onboarding Documents | Generate upload links and attach KYC documents. | Generate Upload Link |
| Log In As Sub-account | Log In as a Sub Account to perform actions at sub account level | Login as Sub-Account |
| Create a Wallet | Create a Wallet for Any currency for the sub account | Create Wallet |
| Get Funding Details | Generate collection account details for each sub-account | Get Funding Methods |
| Convert | convert funds at the sub-account level with optional markup applied | Get FX RateSet FX Markup Create FX Trade |
| Payout | disburse funds to external beneficiaries from the sub-account wallet | Create a Payment Request |
**IMPORTANT: **All sub-account operations require authenticating as the sub-account using the Sub-Account Login endpoint. This returns a JWT token valid for 1 hour, which must be included as a Bearer token in all subsequent API calls made on behalf of that sub-account.