For many consumers, the journey to build or rebuild credit comes with high interest rates, hidden fees, and confusing terms. Atlas is changing that by creating a transparent rewards-driven credit experience that helps people spend confidently, earn rewards, and strengthen their financial standing.

With a 0% APR model, premium perks and rewards, and automated repayment tools, Atlas makes it easier for users to manage spending responsibly while still enjoying the flexibility of a credit card. And, behind the scenes, Atlas relies on payments infrastructure powered by Lithic to deliver a seamless, secure payment experience that scales.

Redefining credit access for a new generation

Atlas’s mission is to build a premium and accessible credit card that helps people improve their financial health without the pitfalls of traditional credit terms. But delivering that kind of product means tackling two core challenges:

• Modern security, without the friction: As a consumer-facing card, Atlas needs advanced fraud prevention and authentication that doesn’t slow down transactions or frustrate cardholders.
  
  
• Infrastructure that scales with innovation: To support a growing user base and future financial products, Atlas requires a card-issuing partner with flexible APIs, global reach, and trusted reliability.

To bring that vision to life, Atlas needs capabilities and architecture that can support both their current product and future innovation. That's where Lithic comes in. 

Lithic’s issuing and processing platform gives Atlas the control and agility they need to move fast using built-in support for security features like 3D Secure (3DS), real-time decisioning, and a developer-first toolkit.‍

The Lithic advantage: secure payments and a seamless experience

By building on Lithic, Atlas was able to bring its card program to life faster, safer, and with greater control over every transaction flow.

• Frictionless authentication: Lithic decisioning 3DS with custom branded challenges delivers strong cardholder verification without unnecessary declines, balancing security and user experience.
• Real-time controls: Authorization Stream Access (ASA) allows Atlas to apply custom transaction approval decisions to every transaction, helping prevent fraud while maintaining high approval rates.
• Card customization: Flexible branding and configurable spend logic enable Atlas to design the exact experience they envision.
• Digital wallet enablement: Atlas cardholders can instantly add their cards to Apple Pay and Google Pay for secure, contactless payments with Lithic's tokenization and wallet provisioning capabilities.
• Instant virtual card issuance: Lithic’s API enables instant provisioning so Atlas users can start transacting immediately after approval.

Together, Atlas and Lithic are setting the standard for what consumers should expect from a modern credit card: transparency, functionality, and trust.

The future of credit building

Atlas continues to expand their vision for fair, transparent financial access. With Lithic’s infrastructure supporting their card program, Atlas can focus on their core mission: helping people spend smarter, build credit faster, and feel confident about their financial future.

Ready to build your next-generation card program? Connect with our expert team today to learn how Lithic powers innovative credit experiences at scale.

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