Industry-leading FX rates, built into your banking core
FX rates built into the core, not bolted on
Real-time multi-currency exchange and cross-border settlement across 200+ markets, with competitive, transparent pricing engineered directly into your white-label banking stack.
Industry-leading exchange rates, owned by your institution
Most banks and credit unions rent FX from a third party and pass an opaque, marked-up rate to members and clients. ACM Global Tech builds the exchange layer into the platform you own and brand, so cross-border value moves at competitive rates with pricing your customers can actually see.
The result is a foreign-exchange experience that behaves like part of your core banking system because it is. Quotes, conversions, and settlement run on the same regulated-first infrastructure as deposits, payments, and treasury, with no separate vendor to integrate, reconcile, or explain to an examiner. Learn how it ships as a product in Exchange & FX.
Real-time FX across 200+ markets
Live multi-currency pricing and cross-border settlement, delivered through the same stack that powers your accounts, cards, and payments.
Real-time rates
Live multi-currency quotes across 200+ markets, refreshed continuously so customers convert and send at the rate they see.
Transparent pricing
Competitive, clearly displayed rates with spreads you control, instead of buried markups from an outside FX vendor.
Cross-border settlement
Move value across currencies and borders on institution-grade rails, with settlement wired into your treasury and ledger.
White-label & client-owned
Every screen, rate, and statement carries your brand. The exchange capability is yours to price, position, and operate.
Stablecoin settlement option
Settle eligible flows over stablecoin rails for speed, with non-custodial options where your model and risk appetite require them.
Post-quantum security
FX and settlement traffic is protected with post-quantum cryptography, built to withstand the scrutiny of the institutions we serve.
Cross-border money is moving on new rails
The infrastructure underneath global payments is shifting toward tokenized assets and stablecoin settlement. ACM positions your FX capability for both today's currencies and tomorrow's rails.
FX that holds up to executive and examiner scrutiny
Serious institutions need more than a good rate. They need an exchange capability they can govern, audit, and stand behind.
- One stack, one ledger: FX, payments, deposits, and treasury share the same core, so reconciliation and reporting stay clean.
- Rates you control: Set and adjust spreads to fit your margin, member-value, and competitive strategy, rather than accepting a vendor's number.
- Regulated-first by design: Compliance-ready controls, audit trails, and post-quantum security are built in, not added after the fact.
- Delivered on the Agile Speed Framework: ACM's delivery model gets the capability live quickly, with ecosystem support from Hanzo.ai and Lux Network.
- Built for treasury: Multi-currency liquidity and settlement designed to plug into corporate treasury operations and broader treasury & liquidity workflows.
How the FX engine fits your existing core, ledger, and rails
For institutions that already run a core, a treasury workstation, and established KYC and payment vendors, the question is not whether the rates are competitive but how quote, conversion, and settlement events reach the systems your operations and finance teams already trust. ACM exposes the FX engine through documented APIs and SDKs so it slots into the infrastructure you have today.
Connectors to existing systems
REST and webhook APIs surface live quotes, lock-in rates, and conversion and settlement events to your core, general ledger, treasury workstation, and existing KYC and sanctions-screening providers, so multi-currency activity reconciles where you already book it.
Rate sourcing and routing
Aggregate pricing across liquidity sources, then govern spread, markup, and per-segment rate tiers through configuration rather than code, with every quote and the rate basis behind it captured for downstream pricing review.
Deployment and data residency
Run the exchange layer in cloud, hybrid, or single-tenant private deployments, with FX and settlement data held in the region your residency and cross-border-data obligations require.
Roles, SSO, and audit trails
Govern who can set spreads, approve rate overrides, or release cross-border settlement using role-based access, SSO into your identity provider, and immutable audit logs an examiner can trace quote-to-settlement.
- No parallel reconciliation: because conversions post through connectors into your system of record, there is no second FX ledger for finance to true up at period close.
- Phased rollout: stand up read-only rate display first, then enable conversion and cross-border settlement on the Agile Speed Framework as controls are signed off, with ecosystem support from Lux Network settlement infrastructure and the Hanzo.ai stack.
- Post-quantum in transit and at rest: quote, conversion, and settlement traffic moving across these integrations is protected with post-quantum cryptography, designed to support SOC 2, ISO 27001, PCI-DSS, and HIPAA-aligned requirements.
Ready to own your exchange rates?
See how ACM Global Tech builds real-time, transparent FX and cross-border settlement into a white-label stack your institution controls.
Talk to ACMFrequently asked questions
What markets and currencies does ACM's FX capability cover?
ACM Global Tech delivers real-time multi-currency exchange and cross-border settlement across 200+ markets. Rates are built into your core banking stack, so quotes, conversions, and settlement run on the same infrastructure as deposits, payments, and treasury.
How are ACM's exchange rates more competitive than a third-party FX provider?
Because the exchange layer is part of the platform you own and brand, you control the spread instead of accepting an outside vendor's marked-up rate. Pricing is competitive and transparently displayed, so members and clients convert at the rate they see.
Is the FX capability white-label and client-owned?
Yes. Every screen, rate, and statement carries your brand, and the exchange capability is yours to price, position, and operate. It is delivered as part of ACM's complete white-label banking ecosystem.
Does ACM support stablecoin settlement for cross-border flows?
Yes. Eligible flows can settle over stablecoin rails for speed, with non-custodial options available where your operating model and risk appetite require them. All FX and settlement traffic is secured with post-quantum cryptography.