UK · first corridors live 2026 · NG · KE · GH
Pay suppliers anywhere.
Keep the margin in transit.
Mid-market FX, a transparent take rate, and the all-in price locked the moment you accept the quote.
Locked
At quote
Same-day
Most corridors
FCA
Via Principal lease
Comparison Engine
/ why atlas logica
Built for the corridors banks quietly closed.
Africa, Asia, Latin America. Modern rails, regulated partners, a UK team behind every transfer.
Deep reach into hard corridors
FCA-regulated in the UK via a Principal lease, plugged into licensed on/off-ramp partners across Africa, Asia and LatAm. Corridor by corridor, starting with Nigeria, Kenya and Ghana.
Status visibility at every hop
Every payment shows its current rail, the FX rate locked at quote, and a predicted landing time at each hop.
A senior uk contact
Routing is automated. Your relationship is not. Direct line to a UK ops lead — never a ticket queue.
/ inside the engine
How we land cheaper — without cutting corners.
Banks rely on correspondent chains. We replace the slow, opaque middle leg with regulated, fully-reserved settlement rails — and route every payment through licensed partners on both sides.
Regulated rails
FCA-regulated via Principal lease
Atlas Logica is FCA-regulated in the UK as an agent under a Principal payment institution — the same lease model used by many credible UK fintechs at launch. Client funds sit in safeguarded accounts at the Principal. In each destination we connect to licensed local on/off-ramp partners (e.g. Bitso-class venues in LatAm, licensed PSPs and banks in Africa and Asia), so every leg of the payment is operated by a regulated entity.
Hybrid settlement
Stablecoin-assisted settlement leg
Where it makes sense, the cross-border leg uses regulated, fully-reserved stablecoins (USDC-class) between licensed liquidity venues — converted into local currency on arrival via a domestic partner. Fully hedged via Tier-1 FX liquidity hooks. Zero client exposure to crypto, zero token risk on your invoice.
Routing engine
Why we can quote below the cheapest licensed rival
Every quote is scored across multiple verified routes — bank wire, instant domestic (NIP, UPI, PIX), and regulated stablecoin legs — picking the cheapest path per payment, per corridor, per minute. Removing the correspondent-bank middle leg is where the 20%+ saving comes from. The routing logic and partner stack are our IP.
Stablecoin settlement legs are used only between licensed venues under regulated frameworks. Clients send GBP, suppliers receive local currency. No crypto ever touches your books.
/ corridor reach
The corridors others closed. We kept open.
When digital providers suspend business payments to Nigeria, Kenya, Ghana — banks become the only option at 3–5% all-in. We keep these corridors open at mid-market FX plus a transparent take rate.
Nigeria
NGN
Kenya
KES
Ghana
GHS
When low-cost digital providers withdraw from a corridor, UK businesses are pushed back to bank fees of 3–5%. Atlas Logica is built so that never has to happen.
/ how it works
Invoice to supplier paid — three steps.
Quote in seconds
Enter amount and destination. No setup call, no minimum volume.
Engine selects the route
Every available rail — instant domestic, RTGS, and regulated stablecoin settlement legs — is scored on price, speed and reliability. The cheapest verified path is locked in.
Supplier paid in local currency
Funds land in their bank account at the price locked when you accepted the quote. Status visible at every hop.
/ the comparison
Versus everyone else.
A £25,000 supplier payment, four ways. Pick a destination.
Destination
Pricing transparency
Atlas
Mid-market FX + transparent take, locked for the quote window
Banks
Opaque FX spread + wires
Digital
Mid-market + variable margin
Brokers
Negotiated, manual per deal
Settlement speed
Atlas
Same-day · minutes on instant rails (e.g. NG, IN)
Banks
2–5 business days
Digital
Same-day to 2 days
Brokers
1–3 business days
All-in cost on £25k → Nigeria
Atlas
~0.42%
Banks
3.5–5%
Digital
0.5–0.7%
Brokers
0.9–1.5%
Emerging-market corridors
Atlas
Scored route across hybrid rails (instant, RTGS, licensed on/off-ramp partners)
Banks
Correspondent chains
Digital
Limited coverage
Brokers
Bank-dependent
Indicative figures for a £25,000 UK B2B payment to Nigeria. Actual quotes vary by partner and timing.
/ early access
Be first in your corridor.
Opening corridors in 2026 for UK businesses paying across Africa, Asia and Latin America — public-sector framework track running in parallel.