ACM Ventures: Backing the Builders of Modern Finance
Backing the builders of modern finance
ACM Ventures is the investment arm of ACM Global Tech. We back early-stage founders shaping the future of banking, AI, and financial infrastructure, and we pair our capital with the platform, engineering depth, and ecosystem behind it.
More than capital. An unfair advantage.
Most funds write a check and wait. ACM Ventures invests in the categories we already build in, so founders get more than money: they get a working banking platform, a team that has shipped regulated systems, and a path into the markets they are trying to win.
We look for technical founders solving real problems for credit unions, community and mid-sized banks, and healthcare organizations. If your product makes regulated finance faster, cheaper, or safer, we want to talk early, when conviction and a few engineering decisions matter most.
- Platform leverage: Portfolio companies can build on ACM's white-label core banking, payments, FX, and tokenization rails instead of starting from zero.
- Engineering partnership: Access to a team experienced in core banking, settlement, and post-quantum cryptography, led by founder and CEO Michael Gladczuk and chief scientist Zach Kelling.
- Ecosystem reach: Connections across the Hanzo.ai agentic-AI stack and Lux Network settlement infrastructure that ACM is built on.
- Regulated-first mindset: Guidance on building compliance-ready from day one, so examiner readiness is designed in, not bolted on.
Where we invest
Three theses, one through-line: technology that moves regulated finance forward for the institutions that serve real communities.
Fintech & Banking
Founders modernizing lending, payments, deposits, and core banking for credit unions and community institutions.
AI & Data
Teams applying agentic AI, predictive analytics, and data infrastructure to real financial problems, not demos.
Infrastructure & Security
Builders advancing settlement rails, embedded finance, tokenization, and post-quantum security.
What a founder can expect
We are operators first. Our process is built to respect a founder's time and to be useful from the first conversation.
- Direct conversations: You talk to people who have built and run regulated financial systems, not a screening committee.
- A working platform, not a pitch: Where it fits, you can integrate ACM's banking, FX, treasury, and card-issuing capabilities to reach customers faster.
- Long-term alignment: We invest in categories we are committed to, so our incentives stay pointed at your success well past the term sheet.
Building the future of finance?
If you are an early-stage founder in fintech, AI, or financial infrastructure, ACM Ventures wants to hear from you. Bring your hardest problem to a discovery call.
Pitch ACM VenturesFrequently asked questions
What stage does ACM Ventures invest in?
ACM Ventures focuses on early-stage founders, where a small number of engineering and product decisions can shape a company's trajectory. We aim to engage early, when our platform and expertise add the most leverage.
What does ACM Ventures look for in a startup?
We back technical founders building technology that makes regulated finance faster, cheaper, or safer for credit unions, community and mid-sized banks, and healthcare organizations, across fintech and banking, AI and data, and infrastructure and security.
How is ACM Ventures different from a traditional fund?
Beyond capital, portfolio companies can build on ACM's white-label banking platform, work with a team experienced in core banking and post-quantum cryptography, and tap the Hanzo.ai and Lux Network ecosystems that ACM is built on.
How do I pitch ACM Ventures?
Reach out through our contact page with a short summary of what you are building and the problem you are solving. The fastest path is to schedule a conversation so we can get straight to the substance.