UTB Atomic™ is the intermediary between your users' fiat, real-world assets, stablecoins, and digital assets — and the rails that settle them: wire, ACH, RTP, FedNow, stablecoin, and internal transfers. One integration for every direction money moves.
// Move a stablecoin balance out over FedNow
{
"source": {
"asset": "USDC",
"type": "stablecoin"
},
"destination": {
"rail": "fednow",
"account": "acct_8f2a…"
},
"amount": 25000.00,
"compliance": "utb_prism_sentinel"
}Bring any form of value in. Settle it on any rail out. UTB Atomic™ handles orchestration, compliance, and settlement in between.
Orchestration, compliance & settlement
Every transfer moves through the same three guarantees — no bolt-ons, no extra integrations.
Compliance is woven into every transaction. UTB PRISM SENTINEL™ runs KYC/AML, sanctions screening, and travel-rule checks in real time — so each transfer clears the bar before it moves.
Funds and data are protected to banking standards: encryption in transit and at rest, segregated accounts, granular access controls, and a full audit trail on every action.
Intelligence on by default. UTB Atomic™ selects the optimal rail, flags anomalies, and adapts to risk in real time — routing every payment the smart way, automatically.
Six settlement methods behind a single, consistent API — pick one per transfer or let UTB Atomic™ route for you.
Every payment follows the same auditable path — five states from request to settlement, with webhook notifications as money moves.
Your request lands on the API and the transfer is accepted for processing.
createdUTB PRISM SENTINEL™ runs KYC/AML, sanctions, and travel-rule checks in real time.
screeningUTB Atomic™ validates the rail you chose — or picks the optimal one for you.
routingValue moves on the wire, ACH, RTP, FedNow, stablecoin, or book-transfer rail.
settlingFunds arrive, the ledger updates, and your webhook endpoint hears about it.
settledUTB Atomic™ is a REST API with signed requests and webhooks — if you've integrated a payments API before, you already know the shape of this one.
Talk to our team about your use case and we'll provision sandbox API keys and signing secrets for your organization.
Create accounts, move test value across every rail, and subscribe to webhooks — the sandbox mirrors production behavior end to end.
Swap in production credentials and you're done. UTB PRISM SENTINEL™ screens every transfer from the very first one — compliance is on before your launch is.
# List the accounts you can move value between
curl https://api.utb.com/v1/accounts \
-H "Authorization: Bearer $ATOMIC_API_KEY" \
-H "X-Signature: $REQUEST_SIGNATURE"Full endpoint reference, auth guide, and payload schemas live in the documentation.
UTB Atomic™ is payment infrastructure built by United Texas Bank, N.A. It sits between the assets your users hold — fiat, stablecoins, real-world assets, digital assets — and the rails that settle them: wire, ACH, RTP, FedNow, stablecoin networks, and internal book transfers. You integrate one API; UTB Atomic™ handles orchestration, compliance, and settlement in between.
UTB Atomic™ is operated by a bank, not layered on top of one. There's no sponsor-bank relationship to negotiate and no middleware between you and the institution moving your funds — the API, the compliance program, and the balance sheet all live under the same roof at United Texas Bank, N.A.
Every transfer passes through UTB PRISM SENTINEL™, our compliance engine, before it moves. UTB PRISM SENTINEL™ runs KYC/AML, sanctions screening, and travel-rule checks in real time as a built-in stage of the transfer lifecycle — there's no separate integration and no way to skip it.
You can, and many clients do. But if you'd rather not, UTB Atomic™'s AI-backed routing picks the optimal rail per transfer based on speed, cost, cut-off windows, and risk — so a payment that misses the wire window can still arrive tonight over FedNow.
Register a webhook endpoint and UTB Atomic™ notifies you of new transactions as they happen — no polling required. Events are signed the same way as API responses so you can verify authenticity. See the webhooks guide for setup and payload schemas.
Contact our team with a note about your use case. We'll walk through your requirements, provision sandbox credentials, and support your integration through to production.
Read the documentation to start integrating, or talk to our team about your use case.