The complete banking & payments platform for Banks
ACM Global Tech delivers a complete, regulated, white-label banking and payments ecosystem — core, payments, wallets, exchange, and tokenized finance — that serious institutions own and brand. Tell us your goals and we'll show you what we can build.
Frontier AI + tokenized rails, built inAgentic AI from Hanzo.ai and tokenized settlement from Lux Network.
0%Lower infra cost vs. legacy core
99.99%Uptime SLA target
Post-quantumSecure by default
ACM Cloud CoreDashboard
✓
Deployment CompleteCloud Core v3.2 · Live
Active Members48,291▲ +8.1%
Lending PerformanceJul 2025 to Jan 2026
JulAugSepOctNovDecJan
Recent Loan Activity
Auto Loan #4821
Mortgage Refi #4820
Business Line #4819
Deposit Trends
Growth & Stability
Total Deposits$1.82B
YoY Growth+8.6%
Retention Rate96.2%
New Accounts+2.4K
Portfolio Insights
Growth Metrics
Efficiency Gain+32.4%
Current ROI12.8x
Risk Reduction35%
Cost Savings28%
$16T+Projected tokenized real-world assets by 2030Source: BCG
$27.6T2024 stablecoin transfer volume, past Visa & Mastercard combinedSource: 2024 on-chain data
~$570B/yrUS healthcare administrative waste our rails help cutSource: JAMA / Health Affairs
Up to 95%Lower infrastructure cost vs. legacy core stacksACM platform
Industry figures shown for context, not ACM performance claims.
About Us
Building Enduring Partnerships
Our people-first culture drives everything: empathy in engagement, collaboration in
co-creation, and simplicity in solutions. We strip away complexity to deliver true value:
20-30% efficiency gains, reduced risks, and sustainable growth across the full banking spectrum.
We co-collaborate as your premier partner, emphasizing co-creation and co-solutions via
onshore / nearshore / offshore models. Our Agile Speed Framework ensures rapid production
and iterative excellence.
Simplicity Over Complexity: intuitive tools for full-spectrum banking needs.
Heart-Driven Legacy: family-inspired trust that builds long-term success.
"In a world of change, ACM is your steadfast partner, delivering empathy and expertise."
Michael GladczukFounder & CEO
Our 4 Banking Pillars
AI & Data Innovation
Agentic AI, predictive analytics, and data unification that unlock actionable insight, driving 20-30% efficiency gains for your institution.
Innovative Lending
Predictive scoring, automated approvals, and faster cycles that modernize your lending operation and boost revenue.
Cybersecurity & Fraud Prevention
Real-time detection and layered defense frameworks that cut risk by 35% and protect what matters most.
Digital Modernization
Legacy upgrades, embedded finance, and cloud-native builds delivering 30% cost reductions and future-ready resilience.
What We Do
Full-Spectrum Banking Solutions, Built Around People
We combine data-first architecture, our Agile Speed Framework, and institution-grade infrastructure
to ship production-ready solutions credit unions and community banks can own and scale.
Lending Modernization
Predictive scoring, automated approvals, and faster cycles for auto, mortgage, and business lending.
Member Engagement
Intelligent personalization that increases satisfaction, deepens relationships, and reduces churn.
Core & Cloud Modernization
Cloud-native core infrastructure that boosts reliability and cuts operational cost.
Data & Analytics
Unified data foundations and predictive insight turning siloed information into decisions.
Cybersecurity & Fraud
Real-time fraud detection and layered defense, including post-quantum cryptography.
Embedded Finance
Tokenized payments, treasury, and settlement rails you brand and own.
Healthcare Finance
Tokenized payment rails, revenue-cycle liquidity, and administrative automation for hospitals, payers, and health systems.
Exchange & FX
Institution-grade FX and real-time multi-currency settlement across 200+ markets.
RWA & Digital Assets
Tokenize real-world assets and securities, with stablecoin settlement on regulated, examiner-ready rails.
The Platform
Experience the Full Platform
One white-label stack across banking, payments, wallets, exchange, and tokenized assets. Swipe through a guided tour.
Wallet
Available balance$12,840.55
ACM5412 •••• •••• 4821DEBIT · VIRTUAL
↑Send↓Receive⇄Exchange+Top up
Received · USDC +$1,200
Sent · Supplier -$340
FX · USD → EUR -$500
Mobile wallet — branded cards, instant send/receive, and in-app FX.
app.acmglobaltech.com / banking
ACMOverviewAccountsLendingTreasury
Total balance$4.92M▲ 6.4%
Deposits$3.18M▲ 2.1%
Loan book$1.74M▲ 4.8%
Cash flowLast 7 months
Payroll deposit +$48,200
ACH settlement +$12,750
Outbound wire -$9,400
Banking core — accounts, deposits, lending & treasury in one console.
app.acmglobaltech.com / exchange
USD / EUR● Live
0.9187 ▲ 0.12%
Industry-leading rate
You send
10,000USD
⇅
You get
9,187EUR
Rate 0.9187Fee 0.10%
Exchange & FX — real-time multi-currency rates and cross-border settlement.
Every product is fully developed through our own custom development and design process and
continuously enhanced by our Innovation Lab Team: customizable, white-label ready, and built
to deliver measurable outcomes.
Flagship Platform
Our Regulated Fintech Infrastructure Platform
Fully developed, AI-powered, white-label banking infrastructure: real-time treasury, tokenized assets, stablecoin operations, private wallets, and broker-dealer rails. Branded and owned by you, with up to 40-60% lower infrastructure cost.
ACM AI Shield
Fraud Reduction
AI-powered fraud detection that protects your institution and your members in real time.
99.7%Threat Detection
ACM Cloud Core
Cost Savings
Cloud-native core infrastructure that reduces operational costs while boosting reliability.
99.99%Uptime SLA
ACM Data Horizon
Lending Insights
Unified data platform turning siloed information into actionable lending intelligence.
3.2xFaster Insights
ACM Engage Pro
Retention Boost
Customer engagement platform designed to increase satisfaction and reduce churn.
+34%Member Retention
ACM LendSmart
Innovative Lending
Modern lending workflows with faster approvals and streamlined modernization.
2.1xFaster Approvals
ACM CyberGuard
Cybersecurity & Fraud
Comprehensive cybersecurity and fraud prevention built for community banking.
24/7Active Monitoring
ACM Ventures
Backing the Builders of Modern Finance
Beyond building technology, ACM invests in early-stage startups shaping the future of banking,
AI, and financial infrastructure, pairing capital with our platform, expertise, and ecosystem.
Fintech & Banking
Founders modernizing lending, payments, deposits, and core banking for community institutions.
AI & Data
Teams applying agentic AI, predictive analytics, and data infrastructure to real financial problems.
Infrastructure & Security
Builders advancing settlement rails, embedded finance, and post-quantum security.
Research, results, and perspective from the ACM team — trust built on evidence.
Case Study
Re-architecting a digital-securities exchange
A regulated digital-securities exchange was buried in compute cost and engineering overhead. ACM's team went in, re-architected the core, and rebuilt the stack for scale — clearing the path to integrate trillions in digital securities under full FINRA/SEC approval.
70 → 20 engineering headcount
$50K → $5K monthly compute spend
100× performance, lower latency
Trillions in digital securities integrated
Anonymous engagement — client name and FINRA/SEC approval details available upon request.
ACM built the technology backbone for a digital-securities fund-of-funds in Luxembourg and a licensed money transmitter in the Isle of Man — post-quantum secure from day one, examiner-ready across jurisdictions, and engineered to drive total cost of ownership down.
Luxembourg digital-securities fund-of-funds
Isle of Man licensed money transmitter
Post-quantum security from day one
Lower TCO across the full stack
Anonymous engagement — regulatory and reference details available upon request.
News
ACM joins the Hanzo.ai & Lux Network ecosystems
ACM's banking platform now plugs into the Hanzo.ai agentic-AI stack and Lux Network settlement infrastructure — putting enterprise-grade AI and tokenized rails within reach of credit unions and mid-sized banks.
Regulated Fintech Infrastructure Platform — now in early access
ACM Ventures opens its first investment cohort
White Paper
Post-Quantum Security for Community Banking
“Harvest now, decrypt later” attacks put long-lived financial records at risk today. This paper lays out a practical migration to NIST post-quantum cryptography — what to encrypt first, how to stay examiner-ready, and how to phase rollout without touching the core.
In progress: The Agile Speed Framework, explained
In progress: Data-first architecture for credit unions
Free Resources
Take ACM for a test drive
Practical tools and briefings, sent straight to your inbox.
ROI Calculator
Model infrastructure savings, faster cycle times, and payback for your institution.
Platform Overview
A one-pager on the full white-label stack: core, payments, wallets, exchange & RWA.
Post-Quantum Readiness Checklist
Assess and phase your migration to NIST post-quantum cryptography, step by step.
Our Process
Agile Speed Framework
Our proprietary framework delivers instant speed to production and measurable results.
1
Discovery
Co-collaboration and data-first analysis.
2
Strategy & Design
Co-create roadmaps focused on measurable outcomes.
3
Skeleton Deployment
Rapid prototype for instant speed to production.
4
Feedback & Iteration
Real-time input for continuous refinement.
5
Full Deployment & Support
Global rollout with ongoing optimization.
6
Measurement
Track real outcomes: efficiency, security, growth.
Why ACM Global Tech
Why Institutions Choose Us
We Solve Problems
We don't sell technology; we deliver tailored solutions that solve real organizational challenges.
Fully Developed
Production-ready solutions with full custom development and design.
Hyperautomation & Security
Advanced cybersecurity (incl. post-quantum) and efficiency in every solution.
Innovation Lab Team
Constantly improving and future-proofing so you stay current.
People-First
Every engagement is outcome-based and member-centered.
White-Label Ownership
Clients fully brand and own the solutions.
Speed
Skeleton deployments deliver 30%+ faster ROI.
Proven Leadership
50+ combined years of real-world banking impact.
Depth
Dedicated teams across Banking, Fintech, Broker-Dealer, Healthcare, and Custom Products.
Team
Leadership
Michael Gladczuk
Founder & CEO
25+ years leading large-scale digital transformations across banking, fintech, retail, healthcare, and e-commerce at Walmart, Bank of America, Tietoevry, and other global organizations.
Zach Kelling
Chief Scientist
Leads the AI Innovation Team and the technical vision behind our banking platform, specializing in data-first architecture, agentic AI, cloud-native infrastructure, and post-quantum cryptography.
Vision
One Complete Banking Ecosystem
ACM unifies core banking, payments, treasury, and tokenized finance into a single
regulated, white-label platform, so credit unions, banks, and healthcare organizations
can modernize without stitching together a dozen vendors.
Complete banking ecosystem
Core, deposits, lending, treasury, and member experience on one platform you own and brand, not a patchwork of point solutions.
RWA tokenization & stablecoins
Issue and settle tokenized real-world assets and stablecoin payments on institution-grade rails, a market BCG projects could reach $16T+ by 2030.
Industry-leading exchange rates
Real-time multi-currency FX and cross-border settlement across 200+ markets, with competitive, transparent rates built into the stack.
Healthcare finance
Tokenized payment rails, revenue-cycle liquidity, and administrative automation aimed at the roughly $570B drained each year by US healthcare administrative waste.
Regulated-first and secured with post-quantum cryptography, built to withstand the scrutiny of the institutions we serve.
Contact
Ready to simplify your banking technology?
Orlando & Jacksonville, FL · Powering Global Transformation
Model-agnostic · integrates with the AI platforms you already trust
OpenAIAnthropicGoogleMeta LlamaMistralCohereAWSHanzo AI
Ecosystem Partners
Backed by a world-class ecosystem
ACM Global Tech is an ecosystem partner of Hanzo.ai and Lux Network — pairing enterprise-grade agentic AI with institutional tokenized-finance and settlement infrastructure.
