Atome Acquisition, Valuation, Funding & Investors

CRED is a members-only platform in India for managing credit card bills with rewards for timely payments. Users access an app that tracks spending across multiple cards, sends reminders, and offers exclusive deals from luxury brands like Louis Vuitton and Mercedes-Benz. Bengaluru-headquartered and launched in 2018, CRED processes billions in bill payments monthly. It partners with over 200 banks including HDFC and ICICI, providing cashback and premium membership perks.

Rappi is a leading on-demand delivery platform operating across Latin America, including Colombia, Mexico, Brazil, and Argentina. Customers use its mobile app to order groceries, meals, pharmaceuticals, pet supplies, and gifts, with options like Turbo for rapid service and integrated digital wallets for payments. Founded in 2015 and headquartered in Bogota, Rappi also facilitates travel bookings and cash delivery, serving millions through hyperlocal logistics networks.

Tabby is a Dubai-headquartered buy-now-pay-later provider operating in UAE, Saudi Arabia, and Kuwait. Founded in 2020 as a unicorn valued at $3.5 billion, it partners with 20,000 retailers like IKEA and Adidas for interest-free installments over four payments. The platform serves 5 million users with virtual cards and credit limits up to AED 20,000.

Sunbit is a buy-now-pay-later platform financing services like dental, auto repair, and eyewear purchases. Available via mobile apps on iOS and Android, it approves most applicants for installment payments at merchant locations across the United States.

Swile is a Paris-based super app consolidating employee benefits including meal vouchers, mobility passes, and gift cards on a single smartcard. Launched in 2018, it adds workplace tools like peer recognition, event planning, P2P transfers, and engagement surveys. Analytics dashboards track satisfaction metrics for HR teams across French enterprises.

FamPay is a Bengaluru-headquartered fintech launched in 2019, issuing cards for teenagers to handle online and offline payments via the FamCard. Parents transfer funds directly to children's accounts, promoting controlled spending in India.

PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 434 million active accounts at the end of 2024. The company also owns Venmo, a person-to-person payment platform.

Founded in 2009, Block provides payment services to merchants, along with related services. The company also launched Cash App, a person-to-person payment network. In 2024, Square's payment volume was almost USD 250 million.

Rapyd is a London-headquartered fintech-as-a-service platform that allows businesses to embed payment acceptance, payouts, card issuing, foreign exchange, and business wallet capabilities into their products through a single API. Founded in 2016, the company operates a global network spanning more than 100 countries and connects local payment methods including cards, bank transfers, e-wallets, and cash. Rapyd has scaled rapidly through acquisitions of Valitor, Korta, and Neat, and serves marketplaces, e-commerce companies, gig economy platforms, and financial institutions that need cross-border payment infrastructure without building it in-house.

Paymentus Holdings Inc provides electronic bill presentment and payment services, enterprise customer communication and self-service revenue management to billers through a Software-as-a-Service (SaaS), secure, omni-channel technology platform. The platform integrates with a biller's financial and operational systems to provide secure and flexible processing of payments, including credit cards, debit cards, eChecks, and digital wallets, across multiple channels such as online, mobile, IVR, call centers, chatbots, and voice-based assistants. The company generates the majority of its revenue from payment transaction fees processed through its platform. Geographically, it derives the maximum revenue from the United States.

DLocal Ltd is focused on making the complex simple, redefining the online payment experience in emerging markets. Through its technology platform, One dLocal, the company enables world-wide enterprise merchants to get paid (pay-in) and to make payments (pay-out) online in a safe and efficient manner. The company earns revenue from fees charged to merchants in connection with payment processing services for cross-border and local payment transactions. The company's geographical segments include Latin America and Non-Latin America with a majority of its revenue being generated from Brazil in Latin America region.

Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Plata is a Mexico City-based fintech providing a no-annual-fee Mastercard credit card and buy-now-pay-later service. The platform offers up to 15% customizable cashback in partner categories, interest-free installments, Apple Pay support, and 24/7 fraud monitoring. Plata Difiere extends installment credit up to MXN 200,000 over 3-24 months without cards. Users manage digital cards and top-ups via app or cash at OXXO stores, targeting underserved consumers in Mexico's digital payments market.

Hub24 is a diversified financial services business. The firm’s core platform segment engages in the development and provision of custodial and noncustodial administration services to financial advisors, stockbrokers, accountants, and their clients. The tech solutions segment provides a range of technology and data services, as well as cloud-based software. Hub24 serves individuals, companies, trusts, associations, or self-managed superannuation funds. The firm has around 9% share of the Australian platform market, in contrast to the largest five providers with an average market share of 13.5% each.

ACI Worldwide Inc develops, markets and installs a portfolio of software products focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but majority of the revenue is generated in the United States and EMEA regions.

Marex Group PLC offers a diversified financial services platform providing essential liquidity, market access, and infrastructure services to clients across energy, commodities, and financial markets. It provides critical services to the clients by connecting them to exchanges and providing various execution and hedging services across its assets and products. The group operates in a large and fragmented market with infrastructure requirements and regulatory and technological complexity. It has five segments Clearing, Agency and Execution, Market Making, Hedging and Investment Solutions, and The Corporate. The group generates revenue from Agency and Execution that matches buyers and sellers by facilitating price discovery across the energy and financial securities markets.

Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna’s brand value in the merchant’s sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.

Sezzle Inc is a financing institution that offers technology-driven payment platform. It allows customers to split their purchase into four installments and pay over 6 weeks with only the first payment due at the time of purchase. Companies operations comprise one reportable segment, the majority of which derives revenue from payment processing platform in North America.