Smarter tenant referencing, faster decisions
Equip your team with tools that deliver quicker, more accurate tenant assessments. Atto’s solutions for income verification, affordability analysis, and transaction categorisation streamline operations, mitigate risk, and enhance decision-making, all without the need for complex system development.
Move tenants in faster. Protect your portfolio. Simplify compliance.
Atto replaces outdated processes with real-time, open banking-powered verifications that deliver faster, more accurate tenant checks tenant checks at scale.
Create better outcomes for everyone
Smarter tenant referencing, faster decisions
Equip your team with tools that deliver quicker, more accurate tenant assessments. Atto’s solutions for income verification, affordability analysis, and transaction categorisation streamline operations, mitigate risk, and enhance decision-making, all without the need for complex system development.
Create better outcomes for everyone
Accelerate tenant onboarding
Traditional methods of verifying income and affordability, such as collecting payslips and manual document reviews, are time-consuming and prone to errors. These outdated processes can lead to delays and potential loss of applicants.
Atto replaces these methods with real-time verifications powered by open banking, providing faster and more precise tenant assessments at scale.
Create better outcomes for everyone
Instant income verification
With the applicant's consent, Atto securely connects to their bank account to retrieve verified income data instantly. This eliminates the wait for payslips or employment letters, offering immediate insights at the point of application.
Create better outcomes for everyone
Comprehensive affordability assessment
Move beyond self-reported figures. Atto analyses actual bank transactions to provide a reliable view of income versus expenses, aiding in better risk assessments and reducing the likelihood of arrears.
Create better outcomes for everyone
Automated transaction categorisation
Understanding a tenant's financial situation requires more than just their account balance. Atto automatically categorises bank transactions to highlight income sources, regular expenses, rent payments, and financial obligations. This provides clear, immediate insights that enhance decision-making accuracy.
Create better outcomes for everyone
Seamless bank account verification
Protect against fraud and ensure compliance with regulatory requirements through Atto’s Bank Account Verification. This feature matches applicant identities to their bank accounts without adding complexity to the referencing process.
Create better outcomes for everyone
Experience the Atto advantage
Atto offers a straightforward solution to modernise tenant referencing. By integrating real-time financial data into your assessment process, you can make informed decisions swiftly and confidently.
Open banking by numbers
Open banking has already made a significant impact, and the statistics below highlight its growing adoption and benefits.
Go beyond basic checks
Faster approvals with real financial insight
Rushed checks often miss what matters. Atto brings depth to your tenant assessments with real-time financial data, helping you make quicker, more confident decisions. Reduce risk, cut delays, and give applicants a smoother way in.
Faster approvals with real financial insight
Streamline operations with simple, powerful APIs
Atto's APIs are designed for fast, easy integration into your existing workflows — whether you're a startup or an established referencing platform. Unlock powerful capabilities without expensive development overhead.
Faster approvals with real financial insight
Enhance your user experience
Reduce friction for tenants and agents. Our lightweight, mobile-friendly interfaces make it simple for applicants to provide the necessary consents and information — increasing completion rates and speeding up referencing cycles.
Faster approvals with real financial insight
Scale without bottlenecks
Whether you’re handling 100 applications a week or 10,000, Atto’s modular solutions are built for scale. Automate routine verifications and free up your team to focus on delivering a better experience.
Servicing our customers
“Working together, Atto’s Connect widget and Shieldpay's payment engine allow customers to transfer funds online with digital escrow and trust services. The combined service will bring seamless identity verification during transfers, streamlining the customer experience without sacrificing any measure of security. Bringing customers a frictionless payments journey at every step.”
“Underwriters can confidently produce quicker and more detailed analysis. Customers receive speedier decisions with reduced intrusion/inconvenience. Dealer receives quicker decision - increased satisfaction. Everyone wins with the new process.”
Global automotive manufacturer“In working with Atto, we can give the underwriter a much more detailed and understandable view of a customer’s financial profile.”
Powering household names with real-time customer insights
Book a demo
Ready to streamline tenant checks and speed up move-ins?
Book a demo today and see how Atto transforms tenant referencing — faster decisions, lower risk, and a better experience for everyone.
Want to see it in action? Book a demo with our team.