Atlas for Platform
Quickstart guide to understanding Atlas for Platforms Model
Atlas for Platforms is designed for non-licensed, non-financial businesses that want to offer embedded cross border financial services to their clients under Verto's licensing and infrastructure.
Rather than relying on your compliance framework, Verto conducts full KYB/KYC on each sub-account directly i.e each of your clients becomes a direct Verto customer, accepting Verto's Terms & Conditions and consenting to your platform operating their account.
Who it's for
- B2B marketplaces, e-commerce platforms, and digital marketplaces
- Payroll and expense management platforms
- SAAS companies embedding financial features into their product
- White-label FX brokers
- Pre-regulated fintechs or businesses without a financial services licence.
- Any regulated FI that cannot pass the Downstream Assessment for Atlas for Fintech
How the compliance model works
Under Atlas for Platform, Verto owns the financial services relationship with each sub-account. Every sub-account must pass Verto's full onboarding process (equivalent to KYC Level 3) and at least one director of each sub-account entity must accept Verto's Terms & Conditions before the account can be activated.
This means:
- You submit KYB/KYC data and documents for each client via API or the Verto platform
- Verto's compliance team reviews each application
- Once approved, a T&C acceptance link is sent to the nominated director of the sub-account
- The account becomes active once the director accepts
You do not need your own financial services licence to use this model — Verto's regulatory permissions cover the financial services provided to your clients.
Core Features & Benefits
Full currency coverage — because sub-accounts are direct Verto clients, the Platform model unlocks broader currency access including USD, GBP, EUR collection accounts in addition to emerging market currencies (NGN, KES, TZS, XOF, XAF, ZAR, AED).
FX markup — generate revenue on every FX conversion executed by your sub-accounts. Apply a universal margin, per-currency-pair margins, or trade-by-trade markups via API.
Fully embedded experience — your clients interact only with your platform. The financial infrastructure is powered by Verto but the experience is native to your product.
Onboarding sub-accounts
Sub-accounts can be created and onboarded via API (recommended for scale) or directly through the Verto platform. See the Sub-account creation & onboarding guide for full API details.
Useful Guides :
Going Live with Atlas for Platforms.
How to Onboard a Sub Account Under Atlas for Platforms
Updated 1 day ago