Atomic builds critical financial infrastructure that allows fintechs, banks, and consumer-facing companies to offer engaging investing experiences to their customers in a frictionless way. Investment advice is provided by Atomic Invest LLC, an SEC-registered Investment Adviser.
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Atomic is in Singapore this week! Look for David Dindi and Ajmal Ahmady in person, on the conference app, or connect here on LinkedIn to learn more about how Atomic is bringing the benefits of USD to the world of crypto 🤝
The #TOKEN2049 Family has landed! 🇸🇬 With 800+ side events, the world's largest crypto festival is officially underway. The global crypto community is here to shape the future. Welcome to Singapore for #TOKEN2049Week. Buckle up for an epic ride 🚀
Uphold is one of the first major crypto trading platforms to bring high-interest yield to customers' cash. Atomic Cash Sweep made it possible. Learn more: https://lnkd.in/edA6TM-8
Atomic Invest reposted this
It’s been a pleasure working with Raj Viroja, Pedro Sacramento, Lee Hansen, Simon M., and the Uphold team to connect traditional and decentralized finance. See More: https://lnkd.in/dDrMfaS7 cc: Atomic Invest
Excited to partner with Uphold to enable high-yield cash accounts for their customers. Another step towards making wealth building accessible to every single human being!
📢 Introducing High Yield USD Interest Accounts at Uphold! Uphold is breaking new ground as one of the first major crypto trading platforms to provide access to high yield USD Interest Accounts with up to 5% APY. This move aligns with our commitment to providing our users with more ways to optimize their assets—whether in crypto or fiat. Why did we launch this? 🔍 Meeting the Demand: Nearly 50% of our users told us they wanted high-interest options. So, we integrated USD Interest Accounts directly into the Uphold app to deliver just that! 💡 Bridging Finance and Crypto: By offering a seamless experience to earn interest on USD without needing bank transfers, we are merging traditional finance with the crypto world—giving users the best of both worlds. 🔒 Security and Convenience: With access to FDIC insurance up to $2.5 million, instant transfers, and no fees or lock-ups, we’re removing the friction between holding assets and growing them. 🔑 Key Features of the USD Interest Account: ✅ High Interest Rates: - Earn 5% interest on USD balances of $1,000 or more. - Earn 2% interest on USD balances of $999 or less. ✅ FDIC insured: Money is insured up to $2.5 million at program banks. ✅ No lockups: Transfer funds between the USD Interest Account and Uphold crypto wallet instantly. ✅ Start with just $1: Open an account with as little as $1 and enjoy no monthly fees. ✅ All in one platform: Manage everything right from the Uphold app, without switching platforms. Join us in this new era of integrated finance. Learn more at https://lnkd.in/ehPQEU89 __ DISCLAIMERS The USD Interest Account is a brokerage account offered by Atomic Brokerage LLC, member FINRA/SIPC, for participation in the Atomic Cash Sweep Program. Cash deposited in the account solely for the purpose of accessing the Cash Sweep Program is not protected by SIPC. For full details about the program, see the Terms & Conditions. Neither Atomic Brokerage, nor any of its affiliates, is a bank. Crypto is not offered through Atomic Brokerage. Balances of $1,000 or more earn 5% APY. Balances under $1,000 earn 2% APY. Rate is subject to change. You are able to have up to $2,500,000 FDIC insurance for deposits in your Atomic Brokerage account when those funds are deposited into all ten unaffiliated bank deposit accounts in the Atomic Cash Sweep Program (subject to coverage limits and eligibility requirements). Funds held in your Atomic Brokerage account are not FDIC insured or protected by SIPC. Access to your funds is typically available within seconds. Transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Additionally, sometimes transfers can be delayed.
Atomic will be at Jack Henry Connect 2024 this year in Phoenix! Interested in booking some 1:1 time with our team? Please contact: nick.budincich@atomicvest.com (Nick Budincich) #banking #creditunions #digitalwealth Jack Henry
🌟 Think Jack Henry Connect is just for techies? Think again! 🌟 Find out why everyone has so much to gain from attending Jack Henry Connect. From networking to learning about the latest industry trends, this conference offers valuable opportunities for all, including those in marketing! 🚀 Read the full #FinTalk blog to learn more about the can’t-miss sessions and exclusive experiences: https://jkhy.co/3X0YujT #JHConnect
Great post. One pull-out from the article: "Notably, 63% of Millennials and Gen Z believe technology enables them to better oversee their finances, making enhanced digital experiences more imperative than ever. Credit unions can support them by integrating budgeting tools to track spending, set goals, and monitor savings, as well as automated savings programs and providing resources such as articles, videos, and webinars on financial topics." Keep it up ADVANTAGE, powered by JMFA & Kelly Flynn! #creditunions #digitalbanking #digitalwealth.
Stay relevant to every generation. Discover ways to attract younger generations to become members and plan for your #creditunion's future. Learn more in this ADVANTAGE, powered by JMFA article: https://hubs.li/Q02Jj3Jr0
Atomic Invest reposted this
“How can digital experiences better complement the traditional wealth management model within financial institutions?” GTM Partnerships at Atomic Invest |--| Revenue Operations, Go-to-Market Execution.
The “financial intermediation” (the thoughtful and profitable pricing of deposits, of loans, of the space between) is at the heart of banking. Doing that successfully is a challenge every quarter. Not only due to ever changing economic- & rate-environments. But also because some of the large monetization sources — like transaction fees, card fees, merchant services, etc — are getting super competitive with digital tools, fintechs, and the rest of it. Other non-interest income is, then, a really helpful mechanism to dig into and explore. As is the creativity and hyper-nuanced (complex math) methods to monetize that intermediation interest spread. And, of course, better marketing and customer acquisition programs for the generation going from $0 income to triple-digit salary over the next 5 years. (College students.) So some ideas: 1) hire or train folks to generate even MORE robust strength in complex modeling and creative intermediation 2) hire or train (or onboard tech) that allows really high quality marketing & acquisition execution for target demographics 3) hire/train/tech or added services that you can monetize for new non-interest income opportunities. Idea for #3 —> Complement traditional wealth management (~2% to ~8% penetration of customer base) with a digital self-serve option to a) engage the other 90% of your customers, and b) differentiate from other FI’s and attract new younger audiences. Many are investing elsewhere— may as well be in your ecosystem where you make fee income… Too broad? Let me know #banking #creditunions #digitalwealth Atomic Invest Gabriel Casalduc Darryl Demos 🤝
Offering T-bills to clients is very, very accessible – and a great way to create more customer value and a stickier product.
“How can digital experiences better complement the traditional wealth management model within financial institutions?” GTM Partnerships at Atomic Invest |--| Revenue Operations, Go-to-Market Execution.
In the ongoing financial landscape, Treasury bills have maintained significant attention and adoption for large firm’s treasury management strategy. Been talking and listening to banking & fintech professions about the role T-bills have taken, and how it’s changing some assumptions for even smaller businesses. A few reasons these instruments are critical right now: 1. Raised interest rates, T-bills are more competitive 2. Backed by the U.S. government, T-bills are one of the safest instruments. 3. Access to funds due to extremely high liquidity. From shorter maturities to a sellers market. We’ve learned from our partners some key ways to help the market take advantage of this. One way is by leveraging embedded finance to offer T-bill investing to clients. If you’re interested in exploring further, I’d love to discuss ideas. #digitalwealth #digitalbanking #tbills Atomic Invest 📈
Banks aren't going anywhere. Here's a snippet from the 2024 Bankers as Buyers report from William Mills Agency: "'Banks will continue to pursue ways to create more efficiencies, better productivity and more profitable relationships,' said Charles Potts, executive vice president and chief innovation officer for the Independent Community Bankers of America (ICBA). 'Banks will continue to invest in tools, service and solutions that help them better serve their customers. They continue to look at where they can remove friction from the transactions and experiences that their customers may encounter.'" Fintechs should look to banks as a long-term partner to synergistically grow value for both parties and their end-clients. Full Report: https://lnkd.in/gXKkk9RB #digitalwealth #brokerageasaservice #banking
When wealthtech and fintech companies partner with investing-as-a-service firms to provide investing capabilities to clients, the regulatory responsibility falls on the embedded service provider–as discussed in this article: "Wealthtech companies partner with registered investment advisers or broker-dealers to provide their services to investors, so that the regulated entity takes responsibility for compliance. This often occurs in 'brokerage-as-a-service'" Article: https://lnkd.in/gMETdr7R #wealthtech #brokerage