About ACM Global Tech
Regulated-first, people-first banking technology
ACM Global Tech builds a complete, client-owned banking ecosystem for credit unions, community and mid-sized banks, and healthcare organizations. One platform spans core, payments, FX, tokenization, and settlement — all white-label and built for institutions under real regulatory scrutiny.
A banking platform institutions can own
Most financial technology forces a choice between modern capability and institutional control. ACM removes that trade-off. We deliver an end-to-end banking stack that your institution brands, governs, and runs as its own.
From Orlando and Jacksonville, Florida, ACM Global Tech engineers the technology backbone behind regulated financial products. The platform brings core banking, deposits and lending, payments, mobile wallets, multi-currency FX, real-world asset (RWA) tokenization, stablecoin settlement, treasury and liquidity, and card issuing together in one client-owned system. Our tagline says it plainly: Powering Global Transformation.
We design for the people who actually carry the risk — examiners, compliance officers, treasurers, and the executive teams accountable for them. That means compliance-ready architecture, post-quantum cryptography from day one, and an Agile Speed Framework built to ship without breaking governance.
Built for control, speed, and trust
Four commitments define how we build and what we hand to our clients.
Client-owned and white-label
You own the stack and the brand. The entire ecosystem — core, payments, FX, tokenization, settlement — ships under your name, with non-custodial options where you need them.
Regulated-first by design
Compliance is the starting point, not a bolt-on. The platform is built for regulated institutions and engineered to be examiner-ready across jurisdictions.
Post-quantum security
Cryptography is forward-dated. We protect deposits, settlement, and member data against tomorrow's threat model, not just today's.
Agile Speed Framework
Rapid, disciplined delivery. We move at the pace modern banking demands while targeting up to 95% lower infrastructure cost versus legacy core stacks.
Partners and capabilities
ACM integrates with leading infrastructure to extend what an institution can offer without rebuilding from scratch.
- Hanzo.ai: agentic-AI and data innovation, bringing enterprise-grade AI into core banking workflows.
- Lux Network: tokenized settlement and on-chain rails for RWAs and stablecoins.
- Industry-leading exchange rates: real-time, multi-currency FX across 200+ markets.
- Healthcare-ready: payment and settlement tooling aimed at the administrative burden weighing on health systems.
The result is one platform that lets a credit union or mid-sized bank stand alongside far larger institutions on capability — while keeping ownership and control in-house. Explore the banking core or how we serve credit unions.
The people behind the platform
ACM is led by builders who pair financial-systems depth with frontier engineering.
Michael Gladczuk
Founder & CEO. Sets ACM's regulated-first, people-first direction and its mission of powering global transformation for financial institutions.
Zach Kelling
Chief Scientist. Drives ACM's post-quantum security, AI, and data innovation across the banking ecosystem.
Explore the full picture: our vision for the future of banking technology and the team building it.
Let's build a bank you own
Whether you are modernizing a core, launching tokenized products, or cutting infrastructure cost, ACM Global Tech is built for institutions that take regulation seriously. Start with a conversation.
Talk to ACMFrequently asked questions
What does ACM Global Tech do?
ACM Global Tech builds a complete, client-owned white-label banking ecosystem for credit unions, community and mid-sized banks, and healthcare organizations. It spans core banking, deposits and lending, payments, mobile wallets, multi-currency FX, RWA tokenization, stablecoin settlement, treasury and liquidity, and card issuing — all brandable and built for regulated institutions.
Who is ACM Global Tech built for?
ACM serves credit unions, community and mid-sized banks, and healthcare organizations that need modern, regulated-first technology they can own and brand as their own, rather than renting capability from a legacy vendor.
What makes ACM different from legacy core providers?
ACM is regulated-first and client-owned, secured with post-quantum cryptography, and delivered through an Agile Speed Framework. The platform targets up to 95% lower infrastructure cost versus legacy core stacks while giving institutions full ownership and brand control.
Where is ACM Global Tech located?
ACM Global Tech is based in Orlando and Jacksonville, Florida, and works with institutions across multiple jurisdictions. You can reach the team through the contact page to schedule a discovery call.