BaaS core
Accounts, deposits, lending, and treasury on a modern core, with the products you launch defined in software, not stuck in legacy.
Banking-as-a-Service & Payments Platform | ACM Global Tech
Banking & payments
Banking and payments, end to end.
Accounts, cards, lending, and treasury, plus a Stripe-class payment service provider (PSP) and multi-currency FX. White-label and yours to own, gateway to backend, not a dozen vendors glued together.
The problem
A dozen vendors, one fragile seam.
Institutions stitch together separate providers for core, cards, payments, and FX. Every integration is a contract, a reconciliation headache, and a point of failure. The result is slow, costly, and brittle, and the customer feels every gap.
Core
Legacy and rigid
Decades-old core banking systems resist change, so launching a new product means quarters of work, not weeks.
Payments
Bolted-on processors
Acceptance, payouts, and ledgering live in a separate stack that never quite reconciles with the core.
Cards & FX
More vendors, more glue
Card issuance and cross-border FX each add their own integration, their own fees, and their own outages.
Ownership
Rented, not owned
The economics and the roadmap belong to the vendors. You carry the brand and the risk without the control.
What we deliver
One stack, gateway to backend.
A vertically integrated banking and payments platform that replaces the patchwork, so accounts, cards, payments, and FX share one ledger and one roadmap.
Payment service provider
A Stripe-class PSP at the heart of the stack: acceptance, payouts, and ledgering, processing in and out on the same rails as the core.
Cards & wallets
Branded virtual and physical cards plus multi-currency wallets, issued and managed inside the platform you control.
FX & cross-border
Real-time multi-currency settlement across 200+ markets, so customers move money internationally without a separate FX vendor.
Tokenized & stablecoin rails
Stablecoin settlement and tokenized value alongside fiat, ready for the rails your customers are moving toward.
White-label & owned
You brand it and you own it. Every layer ships under your name, on your terms, with the economics and roadmap in your hands.
The proof
Proprietary IP. One stack. Open source.
Real infrastructure you can build on, not a reseller agreement dressed up as a platform.
40+ proprietary innovations
Across banking infrastructure, payments, FX, and the cryptography that secures it.
One vertically integrated stack
Gateway to backend on a single ledger and roadmap, not glued-together vendors with seams between them.
Open-source foundations
Built on open infrastructure you can read, verify, and extend, so nothing is a black box.
Launch banking and payments your customers actually use.
License the stack, resell it under your brand, or co-build with our team. Any market, end to end.
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