ATNM Digital Solutions has launched EBank, a white-label neo-banking platform designed for companies that want to operate a fully branded financial ecosystem without developing the underlying banking infrastructure from scratch. The platform positions itself as a complete embedded-finance package, bundling the core components of a modern digital bank into a single configurable system that operators can launch under their own brand.

At the centre of EBank's offering is a multi-currency wallet system. Each customer receives a primary wallet and can operate additional currency wallets depending on which financial providers the platform operator has connected. Every wallet carries its own account number, balance, currency, and full transaction history, giving end users a transparent view of their financial activity across the platform.

The platform extends well beyond basic wallet functionality. Customers can request and manage virtual payment cards for online purchases and subscriptions, with card issuance supported through Stripe Issuing or ATNM's own Operator Services, including NFC virtual-card functionality. International wire transfers are supported with full beneficiary management, covering IBAN, SWIFT/BIC, routing numbers, sort codes, and other regional banking identifiers, with transfers processed either automatically through a connected provider or reviewed manually by the operator.

Lending and savings products are built directly into the system. EBank includes an internal credit-scoring model that evaluates customer behaviour on the platform to determine microloan eligibility, alongside a fixed deposit receipt module offering configurable six, twelve, or twenty-four month terms with defined interest rates. Approved loans are credited directly to a customer's wallet, while matured deposits return principal and interest automatically.

For operators looking to offer a broader financial product suite, EBank includes a dedicated investment account module. Customers can transfer funds between their main wallet and an investment wallet, access a catalogue of tradable assets with live market pricing, place buy and sell orders, and track portfolio performance over multiple historical periods. Market data is supplied through Massive Market Data, while all position accounting and settlement are handled within the EBank system itself.

Compliance is addressed through a flexible identity verification framework. Customers can complete know-your-customer checks using either a configurable manual form or the Sumsub WebSDK, with operators able to set document requirements, review submissions manually, and apply KYC-based restrictions to sensitive financial operations. The platform also supports a range of funding methods, including Stripe, PayPal, Flutterwave, BTCPay Server, Skrill, CoinGate, Binance Pay, NOWPayments, bank transfers, and e-Transfer, each configurable with independent fees, limits, and exchange rates.

On the operator side, EBank provides a centralized administrative control centre covering customer management, a unified transaction ledger, wire transfer and beneficiary review, deposit approval workflows, microloan administration, and fixed deposit oversight. A real-time operational dashboard surfaces key metrics including total customers, platform revenue, issued cards, outstanding loan principal, and pending compliance items, giving operators a consolidated view of platform activity at a glance.

Every customer-facing and operational element of EBank — branding, domain, colour scheme, supported currencies, languages, fee structures, transaction limits, landing pages, policies, and notification content — can be configured by the platform operator, allowing the system to be adapted to a wide range of business models and regional markets. The platform is offered as part of ATNM Digital Solutions' broader portfolio of white-label SaaS products for businesses entering the digital banking and embedded-finance space.