About ACM Global Tech
Regulated-first, people-first banking technology
ACM Global Tech builds a complete, white-label banking ecosystem for credit unions, community and mid-sized banks, and healthcare organizations — client-owned, brandable, and engineered for the institutions that will scrutinize it. Powering Global Transformation from Orlando and Jacksonville, FL.
One banking ecosystem, owned by you
ACM Global Tech is a banking technology company, not a stack of point tools. We unify core banking, deposits and lending, payments, mobile wallets, exchange and multi-currency FX, real-world asset tokenization, stablecoin settlement, treasury and liquidity, and card issuing into a single platform that institutions brand and own.
Our approach is regulated-first and people-first. We design for compliance-readiness and operational simplicity from the start, then deliver through our Agile Speed Framework so modernization does not mean stitching together a dozen vendors or rebuilding your core banking platform from scratch. The result is infrastructure your team controls, with a value proposition of up to 95% lower infrastructure cost versus legacy core stacks.
Full-spectrum banking, built around people
A complete white-label ecosystem covering the institution from core ledger to card — every component client-owned and brandable, and tuned to the needs of credit unions and community banks.
Core Banking, Deposits & Lending
Cloud-native core, deposit operations, and modern lending on one platform you brand and own.
Payments & Mobile Wallets
Branded payment rails and wallet experiences for members and customers, with non-custodial options.
Exchange & Multi-Currency FX
Industry-leading exchange rates and real-time FX across 200+ markets.
RWA Tokenization & Stablecoin Settlement
Issue, settle, and register tokenized real-world assets and stablecoin payments on institution-grade rails.
Treasury, Liquidity & Card Issuing
Real-time treasury, liquidity management, and branded card issuing across the institution.
AI & Data Innovation
Agentic AI, predictive analytics, and unified data that turn siloed information into decisions.
Differentiators built for scrutiny
- Industry-leading exchange rates: real-time FX across 200+ markets, with multi-currency and non-custodial options.
- Post-quantum cryptography: NIST-aligned security engineered to protect long-lived financial records from “harvest now, decrypt later” risk.
- Agile Speed Framework: a delivery model built for rapid production and iterative excellence across onshore, nearshore, and offshore teams.
- White-label ownership: clients fully brand and own the platform — no patchwork of third-party point solutions.
- Ecosystem partners: integrated with the Hanzo.ai agentic-AI stack and Lux Network settlement infrastructure.
Built by operators who have done it
ACM Global Tech is led by people who have delivered large-scale transformation inside global banking and built the technology to back it.
Michael Gladczuk
Founder & CEO. 25+ years leading large-scale digital transformations across banking, fintech, retail, healthcare, and e-commerce at global organizations.
Zach Kelling
Chief Scientist. Leads the AI Innovation Team and the technical vision behind the platform — data-first architecture, agentic AI, cloud-native infrastructure, and post-quantum cryptography.
Meet the people behind the platform on our team page, or explore where we are headed in our company vision.
Start the conversation.
If you run a credit union, a community or mid-sized bank, or a healthcare organization and want banking technology built regulated-first and owned by you, let’s talk.
Talk to ACMFrequently asked questions
What does ACM Global Tech do?
ACM Global Tech delivers a complete, white-label banking ecosystem for credit unions, community and mid-sized banks, and healthcare organizations. It unifies core banking, deposits and lending, payments, mobile wallets, exchange and multi-currency FX, real-world asset tokenization, stablecoin settlement, treasury and liquidity, and card issuing into one client-owned, brandable platform.
What makes ACM Global Tech different from a legacy core provider?
ACM is regulated-first and people-first, with differentiators including industry-leading exchange rates, post-quantum cryptography, and an Agile Speed Framework for rapid delivery. It is fully white-label, so institutions brand and own the platform, with a value proposition of up to 95% lower infrastructure cost versus legacy core stacks.
Who does ACM Global Tech serve?
ACM serves credit unions, community and mid-sized banks, and healthcare organizations that need modern, compliance-ready banking technology built for the scrutiny of serious financial institutions.
Where is ACM Global Tech located?
ACM Global Tech operates from Orlando and Jacksonville, Florida, and partners with Hanzo.ai and Lux Network across its ecosystem. To start a conversation, schedule a discovery call through the contact page.