# Atomic

**Canonical:** https://apis.io/providers/atomic-fi/  
**Website:** https://atomicfi.com  
**APIs profiled:** 9

Atomic is a payroll and financial connectivity platform. Through user-permissioned access to payroll, HR, and merchant accounts, Atomic lets applications switch direct deposit, verify income and employment, retrieve payroll data, and update payment methods on file. The Transact SDK is an embedded, hosted front-end that drives these workflows on top of Atomic's backend REST API.

## Kin Score — 34.8 / 100 (thin)

Scored 2026-08-24 under rubric 0.13.0. Trend: flat (-0.4 from 35.2).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 51.6 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

## Agent readiness — 19.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (9)

- **Atomic Access Tokens API** — The Access Tokens API from Atomic — 2 operation(s) for access tokens.
- **Atomic Company API** — The Company API from Atomic — 3 operation(s) for company.
- **Atomic Data API** — The Data API from Atomic — 7 operation(s) for data.
- **Atomic Linked Accounts API** — The Linked Accounts API from Atomic — 2 operation(s) for linked accounts.
- **Atomic PayLink API** — The PayLink API from Atomic — 2 operation(s) for paylink.
- **Atomic Secrets API** — The Secrets API from Atomic — 2 operation(s) for secrets.
- **Atomic Tasks API** — The Tasks API from Atomic — 5 operation(s) for tasks.
- **Atomic Users API** — The Users API from Atomic — 3 operation(s) for users.
- **Atomic Webhooks API** — The Webhooks API from Atomic — 2 operation(s) for webhooks.

## Agentic access (1)

- **Atomic Fi Agentic Access** — 30 operations · 12 acting · 1 human-in-the-loop

## Security (2)

- **Atomic Fi Authentication** — apiKey · 2 schemes
- **Atomic Fi Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Plans (1)

- **Atomic Fi Plans Pricing**

## Tags

Fintech, Payroll, Direct Deposit, Income Verification, Employment Verification, Financial Connectivity, Embedded Finance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/atomic-fi/). Scores are computed from the provider's own public artifacts under a published rubric.