specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Atomic
providerId: atomic-fi
created: '2026-07-01'
modified: '2026-07-01'
reconciled: false
tags:
- Fintech
- Payroll
- Financial Connectivity
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Atomic spend. Atomic is sold as an enterprise, contracted
  platform rather than transparent usage-based pricing, so cost is typically
  governed by a negotiated agreement scoped to the products used (Deposit,
  Verify, PayLink), the volume of connections/tasks, and ongoing monitoring
  of linked accounts. Cost drivers to allocate and track internally are
  successful connections, completed tasks per product, and monitored linked
  accounts. Exact rates are not public and must come from the contract.
notes: >-
  Because Atomic pricing is quote-based, meters below are the internal usage
  signals to instrument for allocation and showback, not published billing
  units. Reconcile against your Atomic agreement.
sources:
- https://atomicfi.com
- https://docs.atomicfi.com
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Atomic
serviceCategory: Financial Services
billingModel:
  pricingCategory: Contracted
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
focusColumns:
  ServiceName: Atomic
  ServiceCategory: Financial Services
  ProviderName: Atomic
  PublisherName: Atomic
  InvoiceIssuerName: Atomic
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Contracted
meters:
- name: completed_tasks
  description: Tasks completed, broken out by product (deposit, verify, tax).
  unit: tasks
  aggregation: sum
  dimensions:
  - account
  - product
- name: successful_connections
  description: Successful user-permissioned connections to payroll/HR/merchant systems.
  unit: connections
  aggregation: sum
  dimensions:
  - account
  - product
- name: monitored_linked_accounts
  description: Linked accounts kept under ongoing monitoring for data refresh.
  unit: accounts
  aggregation: sum
  dimensions:
  - account
- name: payroll_data_pulls
  description: Payroll data retrievals (deposit-accounts, employment, identity, income, statements, timesheets, taxes).
  unit: requests
  aggregation: sum
  dimensions:
  - account
  - dataType
principles:
- name: Visibility
  description: Instrument completed tasks and successful connections per product; reconcile against the Atomic invoice.
- name: Allocation
  description: Tag Atomic usage by internal team/workflow using your user identifiers and metadata passed to Transact.
- name: Optimization
  description: End monitoring on accounts you no longer need; reuse linked accounts via task-workflow/from-linked-account instead of re-authenticating.
- name: Accountability
  description: Assign owners per product line (Deposit, Verify, PayLink); review connection and task volume against contract commitments.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com