Verto Atlas is an embedded finance API and platform for fintechs and platforms that serve customers across Africa, Asia, and other emerging markets. It lets a business build Verto's banking, FX and payments into its own products, and then offer collection accounts, currency conversion and payouts to its own customers. The business does not need to build the systems, hold the licences or hire the experts itself.

Atlas is for platforms and fintechs that serve their own end customers. If you want API access to run your own company's payments and FX, see Verto's Core API instead.

With Verto Atlas, you connect to Verto's API, or use the Verto platform if you don't have developers, and create sub-accounts and wallets for your customers. You then receive webhook alerts when a payment comes in, convert currencies 24/7, and start local or international payouts. Your customers use your product while Verto runs the accounts, FX and payments behind it.

With Verto Atlas, you can offer three things:

Yes. Verto Atlas supports mass payouts into Africa, sending money directly to bank accounts or mobile money wallets. A platform can use this to pay out sellers, contractors, freelancers or remittance recipients across Africa.

Verto Atlas is built for fintechs and platforms operating in or serving emerging markets. Its virtual accounts support local currencies including NGN (Nigeria), KES (Kenya), TZS (Tanzania), and ZAR (South Africa), and its payouts reach bank accounts and mobile money wallets across Africa, and the world for paying suppliers abroad. Availability depends on your business and use case, so speak to Verto's sales team to confirm your market.

Yes. Atlas for Platforms is designed for marketplaces, expense management platforms and brokers that want to embed payments, virtual accounts, cards and other financial services into their platforms. A marketplace can give its sellers or customers virtual accounts, collect money in local currency and pay out across Africa.

B2B marketplaces can also use Verto to store client funds, and facilitate transactions between its users.

Verto Atlas gives you the building blocks often called banking-as-a-service, including virtual accounts, wallets, FX and payouts, run on Verto's licences and infrastructure so you don't need your own.

Verto Atlas comes in two versions, designed for different types of businesses:

Verto Atlas is for businesses that offer financial services to their own customers, such as a fintech or marketplace embedding accounts, FX and payouts. Verto's Core API is for businesses that want API access to run their own company's payments and FX.

There are two ways to run Verto Atlas:

Verto Atlas is built to provide reliable, round-the-clock support and access to your funds. Our dedicated account management team is available to assist you, while our API enables 24/7 currency conversion.

Verto is regulated in the UK, and customer funds are held separately from Verto's own funds in safeguarded accounts. This helps ensure your customers' money remains protected and separate from Verto's operating funds.

To get started with Verto Atlas, use the "Speak to sales" button on verto.co/atlas. Verto's team will discuss your use case, the markets and currencies you need, and whether the API or the Verto platform suits you. Developer documentation is available at docs.vertofx.com.