Do you have a working product?
what is working product?

As answered multiple times, Access will leverage Atlas' infrastructure and user base of over 17 000 users and 300 agents to kickstart Access. The mobile banking app has been working since 2015. The governance module, which will be the first product on Mainnet will be live in the upcoming weeks along with the tokens.
This is a huge start for the platform. Not modest like other ICOs, this is balls to the walls from the start.
It is actually very promising because of the fact it has a base in something that already exist.
The Atlas project seems very promising and now going into blockchain I can image it will only get even better.
sorry but I still didn't understand for working product... Is it Atlas project?

That does not matter, to be honest. Well, it does as if it is an Atlas project that will give more credibility to it, but at the end it's a good idea and that's all there is to it.