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Atumについて
Atum is an open coordination layer for stablecoin and tokenised-currency payments that runs no blockchain, issues no currency and holds no customer funds. Each payment is expressed as two independent CAIP-19 identifiers, one for the asset sent and one for the asset received; settlement operators connected to the network compete on route and price, the gateway selects a quote, funds are held in a settlement vault, and release follows proof of delivery on the destination chain, with an automatic refund otherwise. The design addresses stablecoin liquidity fragmentation: as issuers and chains multiply, payer and payee rarely hold matching assets on matching networks, and every new rail otherwise means building another integration.
The initiating party keeps its customer relationship, keys and policies, while Atum handles authorisation, quote selection, orchestration and two-chain receipts; quoting operators fulfil with their own inventory and private rail connections and carry their own pricing and timing. Unlike bridges and aggregators it takes no direction of exchange and never becomes the counterparty. The network opened for access on 22 September 2026 and accepts agentic entry points such as x402 and MPP alongside ordinary payment requests.
Atumは2026 年 9 月 22 日にステルスから登場し、決済会社、開発者、企業をつなぐオープン決済ネットワークを立ち上げました。
同日、AtumはVariantが主導する1350 万ドルのシードラウンドを発表し、PayPal Ventures、Abstract Ventures、Road Capital、Mirana Venturesなどが参加しました。
Atumはまた、決済が独立した決済オペレーターによって競争的に実行され、Atumはネットワーク中立性を維持するために取引量に基づいてのみインセンティブを得ることを開示しました。
さらにAtumは、通貨を発行せず、自社のブロックチェーンを運営せず、顧客の資金を保管しないことを明らかにしました。資金はスマートコントラクトによって保持され、決済オペレーターにのみ支払われるか、支払者に返金されることができます。
Atumのスマートコントラクトは複数のEVMチェーン、Solana、Tronに展開されており、公開監査可能なコードを持っています。各決済は開始および終了する同じ公開ブロックチェーンで決済されます。
Atumの技術文書は、立ち上げ時に公開され、決済フローがUniswapのPermit2コントラクトを使用して一度限りのトークン承認を行うことを示していますが、各決済には依然として別々の署名が必要です。
On 22 September 2026 Atum came out of stealth with an open payments network for global money movement and a 13.5 million dollar seed round led by Variant, with PayPal Ventures, Abstract Ventures, Road Capital, Maven11, Mirana Ventures and others participating. Founder Pete Cooling previously led Visa's crypto product team and represented Visa at the Linux OpenWallet Foundation.
Atum issues no currency, runs no blockchain, favours no rail and takes no custody. It acts as a coordination layer: a payment request is submitted, settlement providers compete to fulfil it, senders specify what they pay and receivers get what they asked for, while Atum handles authorization, routing and receipts. Identity, policy controls and reversible payments are built in, along with agentic protocols such as x402 and MPP.
Future strategy and roadmap: Atum will broaden the settlement providers and channels on its open payments network, making matches between the asset a sender specifies and the asset a receiver wants denser, and will improve cross-chain stable fill rates and pricing transparency. As a coordination layer that issues no currency and custodies no funds, Atum plans to unify human and AI-agent payments under one authorization, routing and dispute framework, and to deepen support for agent-payment protocols like x402 and MPP. The next step is to onboard more banking and stablecoin rails, opening reversible payments and policy controls to enterprise payers and payees.
Founder and CEO Pete Cooling studied psychology and business administration at North Carolina State University and began as a business analyst at Coleman Research in 2013.
He went on to product leadership roles at Cliently, Carimus, proSapient, Abrigo and Avalara, covering banking-as-a-service, automated lending, compliance and payments. From September 2021 to November 2024 he led Visa's crypto product team, connecting blockchain networks to authorisation and clearing, and represented Visa on the Linux Foundation's OpenWallet Technical Advisory Council.