Atomic Insights raises $10M seed to modernize RIA payments infra.

Atomic Insights has closed a $10 million seed round aimed at building a modern payments and treasury layer for registered investment advisors (RIAs) and family offices. The round was led by Aquiline with participation from Northwestern Mutual Future Ventures and existing backers. The capital will accelerate product development and deepen live links to custodians and banks.

The startup, founded in 2023 and headquartered in San Diego, positions itself as the operational backbone for advisers expanding into concierge "family CFO" services. Executive founder Lucas Babbitt said the company is focused on replacing error-prone email, spreadsheets and manual custodian portals with a centralized system that captures payment requests, enforces maker-checker approvals and executes transfers through real-time custodian APIs.

Atomic Insights already integrates bi-directionally with key ecosystem platforms such as Addepar, Arch, Canoe and Salesforce, enabling firms to reconcile cashflow and maintain a complete audit trail. The company says anchored RIAs and family offices representing more than $75 billion of client assets are using the platform, a metric investors flagged as evidence of product-market fit in a fragmented wealth-tech landscape.

Wealth managers are taking on bill-pay, capital calls and complex cash orchestration for clients, creating operational scale requirements that incumbent back-office tools struggle to meet. Industry estimates suggest wealth-management technology spending is expanding in the low double digits annually as firms digitize operations and seek ways to lower operational risk — a tailwind for vendors that can link front-office advice to secure, auditable money movement.

The new funding will be used to deepen real-time custodial connections, broaden automations for treasury operations and introduce supplementary products that further reduce manual work. Investors told management they see an opportunity for a purpose-built treasury platform that sits between client portals, document vaults and custody systems to enable growth without proportional increases in headcount.

For Aquiline, the investment continues a pattern of backing infrastructure and services that support wealth managers and fintechs. For Atomic Insights, the seed round is intended to convert early traction into wider distribution across the RIA and family-office market and to accelerate onboarding processes that historically slow adoption. With operational errors a persistent pain point for advisers, the company’s focus on workflow, compliance and real-time connectivity positions it to capture a growing slice of wealth-tech budgets.