New Delhi [India], April 19: As the U.S. logistics industry—valued at over $1 trillion—accelerates toward real-time, digital-first operations, AtoB has emerged as a nationally influential fintech startup redefining how capital flows through supply chains—an economic backbone of the United States. At the heart of this transformation is Mohan Kumar, Head of Engineering at AtoB, whose work is reshaping the payments infrastructure underpinning one of the economy’s most vital sectors.
AtoB provides fuel cards, freight factoring, payroll, and compliance products for the trucking industry, enabling fleets to operate with greater financial agility. Under the hood, AtoB has built infrastructure capable of real-time credit decisioning, 24×7 factoring, and instant fund disbursement—capabilities that were once considered out of reach in logistics finance.
These innovations have positioned AtoB not only as a product innovator but as an engineering benchmark in modern financial technology.
A key pillar of AtoB’s technology stack is its hyper-scalable, bi-temporal ledgering system, developed by Kumar, which allows the company to process billions of dollars in transactions annually with sub-second latency and complete financial auditability. This system has enabled AtoB to reduce its daily float by over $3 million and scale its factoring volume from zero to $1 billion in under a year, all while maintaining audit-readiness and resilience against fraud.
Notably, AtoB’s credit approval rate—powered by its state-of-the-art risk modeling and temporal data infrastructure—has exceeded 70%, more than double the industry average for traditional fuel card providers. Simultaneously, the company has maintained credit losses well below industry benchmarks. This rare optimization of two traditionally opposing metrics—approval rate and loss rate—is a testament to the innovation, precision, and robustness of the systems built under Kumar’s leadership.
The platform also supports real-time anomaly detection, transaction backtracking, and regulatory audit readiness, allowing freight operators to function with the speed and trust demanded by the logistics sector. By designing compliance-first systems that operate at fintech speed, AtoB has become both more agile and more secure.
But the impact goes beyond systems. By reimagining how capital flows through the logistics ecosystem, AtoB has enabled real-time access to funds for small and mid-sized fleets, turning multi-day factoring cycles into transactions completed within minutes. This shift has dramatically improved cash flow for thousands of businesses, empowering them to operate and grow without delay. Today, AtoB supports the financial operations of more than 100,000 commercial vehicles on U.S. roads, driving nearly half a billion gallons of fuel annually. This engineering foundation has enabled the company to double its revenue without increasing its capital base, positioning it among the fastest-growing startups in the fintech and infrastructure sectors.
At the center of this transformation is Kumar himself. With prior experience at LinkedIn, Zenefits, and D.E. Shaw, he brings a rare combination of enterprise-scale engineering and startup execution. At AtoB, those strengths have translated into national economic influence.
As real-time processing, compliance, and scale converge to shape the future of fintech infrastructure, AtoB’s engineering-led disruption is already serving as a blueprint. In a sector where timing, transparency, and trust are paramount, AtoB’s infrastructure has become a strategic advantage.
Its innovations in reliability, auditability, and capital velocity are not just helping its customers grow—they are redefining the financial foundation of the logistics industry. Together, AtoB and its engineering, led by Kumar, are not merely building for today—they are engineering the infrastructure that will power the future of one of America’s most essential sectors: transportation and logistics.
Source: Engineering at Scale: The Vision Behind AtoB’s Disruption in Logistics Finance
