AtlasClear Holdings (NYSE American: ATCH) presented its growth roadmap at the Emerging Growth Conference, highlighting its mission to modernize trading, clearing, settlement, and banking infrastructure for small and mid-sized financial institutions.
Building the Backbone for a New Era in Finance
President Craig Ridenhour opened the presentation by reaffirming AtlasClear’s mission to create “the infrastructure of how you custody, clear, and settle financial products.” He explained that large clearing firms like Pershing and Fidelity dominate the market, but many smaller firms and fintechs remain underserved.
“Our mission is to empower small and mid-sized financial institutions with the same technology, efficiency, and scale as the largest players,” said Ridenhour. “The larger firms really do not want to deal with smaller broker-dealers, hedge funds, or family offices. That is the gap we are filling.”
Ridenhour discussed the company’s progress since its public listing, emphasizing the acquisition of Wilson-Davis & Co., a long-established correspondent clearing firm, and the pending acquisition of Commercial Bancorp of Wyoming, a Federal Reserve member bank. Together, these assets create an end-to-end platform for custody, clearing, settlement, and eventually banking services.
Watch the replay: https://youtu.be/R0BsvD3qftE?si=1pbXieUaEYkmnMJn
Leadership and Vision
Chairman and CEO John Schaible introduced AtlasClear’s leadership and board, highlighting their deep experience in financial services, fintech, and capital markets. “In microcap companies, one of the key factors of success is leadership,” he said. “We have built and sold exchanges, brokerage firms, and fintech platforms before, and we are going to do it again here.”
Schaible described the company’s three operating pillars of people, systems, and capital, and credited the management team, including General Counsel and CFO Sandip Patel and CTO Ilya Bogdanov, with developing a scalable, technology-driven platform designed for growth.
He also acknowledged board members Tom Hammond, former President of ICE Clear, and Robert Keyser, CEO of Dawson James Securities, noting that Keyser’s firm and investment group, Sixth Borough Capital, have made multiple strategic investments in AtlasClear.
A Scalable Model for Profitability
Schaible outlined the company’s AtlasClear Value Flywheel, which he described as a self-reinforcing model driven by customer onboarding, transaction growth, lending, and reinvestment. “As we add introducing brokerage firms, we create more transactions, more margin lending opportunities, and more data,” he explained. “That cycle drives profitability and scale.”
AtlasClear currently serves one introducing broker, Glendale Securities, with two additional firms in the process of integration, including Dawson James. “As we add customers, our margins improve, and our business scales without adding significant overhead,” said Schaible.
Financial Strength and Growth Outlook
The company recently completed a 20 million dollar financing led by Funicular Funds, which Schaible described as transformative. “The new financing structure gives us a cleaner balance sheet, improved capitalization, and the ability to move forward with acquisitions and technology integration.”
AtlasClear has reduced more than 45 million dollars in debt, strengthening shareholder equity and setting the foundation for expansion. “We are now well-capitalized and positioned for an exceptional 2026,” said Schaible. “You will see continued growth in correspondent clearing, underwriting, stock loan, and new client onboarding.”
The company also plans to begin the Federal Reserve approval process for the Commercial Bancorp acquisition within 90 days. “Once approved, we will have deposit sweep capabilities and credit extension within our own ecosystem, which is very difficult to replicate,” said Ridenhour.
Technology and Competitive Edge
When asked how AtlasClear’s technology competes with larger clearing firms, Schaible emphasized agility as the company’s key differentiator. “Our technology is at least equal, and I would argue it is better,” he said. “But more important, we can move faster. Large institutions are like battleships that need miles to turn. We can develop and launch new products immediately.”
Ridenhour added that AtlasClear’s modernization and automation strategy is designed to provide small financial institutions with tools that were once exclusive to the largest firms.
2026 and Beyond
Schaible concluded by outlining the company’s goals for the year ahead, including onboarding new introducing brokers, completing the bank acquisition, expanding lending operations, and exploring digital asset capabilities. “We are building a scalable, profitable model that can grow both organically and through strategic acquisition,” he said. “2026 is shaping up to be a remarkable year for AtlasClear and its shareholders.”
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