Atom Payment Hub is a modular transactional platform designed to fully automate the payment processing lifecycle within banks, including consolidation, verification, routing, and posting. The platform supports multiple payment channels, such as ELIXIR, SWIFT, SEPA, Sorbnet, VISA, Express ELIXIR, BlueCash, PayU Express, BLIK, and internal bank systems. We are also actively involved in implementing SEPA Instant and Verification of Payee (VoP) frameworks. VoP is a regulatory initiative introduced by the European Union to enhance payment security and reduce fraud in financial transactions. This is particularly critical for instant payments and forms part of the broader Instant Payments Regulation (IPR), which will become mandatory for Payment Service Providers (PSPs) by October 2025. Atom Payment Hub empowers financial institutions to streamline operations, ensure regulatory compliance, and enhance the security and reliability of payment processes in a rapidly evolving financial ecosystem.