Binjie.com news reports that atomic settlement refers to both trading parties completing a transaction at the same time, eliminating the risk that one side pays while the other side fails to deliver. This guide explains the concept of payment versus payment, how blockchain makes it a natural choice, and how banks are testing it in cross-border transactions. The core of atomic settlement lies in the indivisibility of the transaction, ensuring that the transaction either completes fully or does not occur at all, thereby eliminating the settlement risk that exists in traditional finance. The application of blockchain technology makes atomic settlement possible, providing higher capital efficiency and financial stability.