Atom and Hydrogen Partner to Help Workers Overcome Financial Stress With a Holistic Platform for Personal Finance and Wellness Benefits Apps

Salt Lake City–()–Atomic, the market-leading provider of payroll connectivity, today announced its partnership with Hydrogen, a fintech platform that enables businesses to rapidly launch white label debit cards without coding with one all-inclusive platform. By partnering with Atomic, Hydrogen enables organizations to seamlessly integrate payroll connectivity with its platform, unlocking features for employers, employees, gig-economy workers, and payroll providers. For companies and organizations that work with the unbanked or underbanked, they can now offer consumers a wallet or card to deposit their salary, with help such as cashback and rewards on card purchases and additional bonuses, a win for employees and employers.

“The rise of EWAs prominence in recent years is a signal that workers’ wages are not going as far as they used to,” noted Jordan Wright, Atom CEO and co-founder. “We expect that workers will demand financial health benefits that help them pay bills in advance and scenarios that lead to the reuse of EWA between pay cycles. Our partnership with Hydrogen allows organizations to quickly and smoothly launch applications to help workers cope with financial stress and for employers to hold and attract talent.

“This partnership is a unique opportunity for organizations to quickly get a custom debit card program to market for employees,” said Evy Natan, Senior Partnerships Manager at Hidrogen. “In the future, this card program creates an opportunity to monetize revenue from interchange fees – against fines or interest charges – which in time encourages repeat use and loyal customers.”

The announcement comes at a difficult time in the American job market as wages are rising and unemployment hovered near a half-century low of 3.7% in August, according to the Labor Department. Workers are suffering financially as the cost of household goods increases due to inflationary pressures. At the same time, cost levels are higher than wage growth, prompting workers to look for alternatives to meet bill deadlines or pay costs. Workers also take advantage of employer-sponsored earned wage access (EWA) benefits and direct-to-consumer solutions to access earned but unpaid wages.

The Hydrogen-Atomic Partnership generates multiple value propositions for Hydrogen and its clients. Gig economy companies can leverage the Atom Hydrogen widget to power their 1099 workers’ access to pay with a great user experience to boot. Employers can offer automatic deposit switching and automatic fees from the Hydrogen card, earning customers rewards and cashback on purchases and generating benefits from mutual exchange for employers. Meanwhile, consumer-focused organizations can re-channel profits earned from interchange fees back into community building and other needs.

For both companies, the partnership brings Atomic and Hydrogen further in their shared vision to close the financial health gap for all employees by powering the next generation of financial wellness benefits.

About Atoms

atom is the market-leading provider of payroll connectivity, trusted by more than 125 financial institutions, fintech firms and partners, including the 12 largest fintech applications that offer the first digital neobank, alternative loans, crypto exchanges, and digital brokers. Atomic payroll integration provides the infrastructure to connect customers to their financial data, automating set-up and updating direct depositdigitize income and employment verification, back again financial obligations from their salary, access earned but unpaid wages, and tap tax advantages of filing.

Atomic simplifies complex payroll integration with a suite of API solutions that covers over 480 unique payroll connections, including incumbent payroll providers, bespoke enterprise solutions, modern HR tech providers, gig-economy platforms and government systems. Atomic’s payroll API covers 75% of the US workforce with a combined reach of 125 million workers.

Atoms are selected for a Fintech Breakthrough Award 2022 for Best Banking Transaction Solution, recognized as a Top Workplaces 2022, and has raised $78.6 million from investors, including Mercato Mitra, Core Innovation Capital, Portage, and Greylock. For more insight into the intersection of fintech and payroll, you can subscribe to Atomic’s Intelligence newsletter.

About Hydrogen

Hydrogen is finance simplified. We enable businesses to rapidly roll out white label debit cards without coding with one, all-inclusive platform. No fintech experience required. Launch a new program, earn new revenue, and go to market in a matter of weeks. Our latest Web3 offering is a white labeled crypto debit card that can be spent at millions of merchants globally. This new offering is branded as Chainswipe, and will help the next 100 million crypto users, by making it easy and intuitive for them to spend crypto in their wallets.

Hydrogen has been honored as a Technology Changing the World from Fast Company, FinTech Startup of the Year from KPMG Luxembourg, and winner of BBVA Open Talent USA. Hydrogen is also a graduate of the Mastercard StartPath, MassChallenge FinTech, and Plug and Play FinTech accelerator programs. Hydrogen is committed to empowering organizations to develop financial products for consumers in the US and around the world. For more information, please visit and follow us on Twitter and Linkedin.

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