Our vision: regulated-first, people-first banking technology
Powering global transformation in regulated finance
We believe credit unions, community and mid-sized banks, and healthcare organizations deserve the same modern banking technology as the largest institutions, without surrendering ownership, compliance posture, or their brand.
The institutions that serve communities should not be left behind
Most financial modernization is built for scale, not for the institutions that hold communities together. The result is a familiar trade-off: stitch together a dozen vendors, accept rising costs, and still fall behind on the experiences members and patients now expect.
ACM Global Tech exists to close that gap. We deliver a complete, client-owned banking ecosystem that is regulated-first and people-first, so smaller and mid-sized institutions can compete on capability and experience, not just on trust. Powering Global Transformation is not a slogan to us; it is the standard we hold our platform to.
One ecosystem, owned and branded by you
Our north star is a single, coherent platform that replaces the patchwork, spanning core banking through tokenized finance, all under the institution's own brand.
One complete platform
Core banking, deposits and lending, payments, mobile wallets, treasury and liquidity, and card issuing on one stack you own and brand, not a maze of point solutions.
Modern money rails
Multi-currency FX and cross-border settlement across 200+ markets, plus RWA tokenization and stablecoin settlement on institution-grade rails, with non-custodial options.
Secure for the long term
Post-quantum cryptography built in from day one, so long-lived financial records stay protected against tomorrow's threats, not just today's.
Delivered at speed
Our Agile Speed Framework and AI-driven innovation move institutions from discovery to production faster, with onshore, nearshore, and offshore delivery models.
The principles behind every build
Our vision only matters if it survives the scrutiny of serious institutions. These commitments keep us honest.
- Regulated-first: we build for examiners and compliance teams from the start, designed to be compliance-ready for the institutions we serve.
- Client-owned: the platform is white-label and brandable; institutions own their stack, their data, and their relationships.
- People-first: technology should make banking simpler for members, patients, and the teams behind the counter, not more complicated.
- Secure by design: post-quantum cryptography and layered defense are foundations, not add-ons.
- Built with partners: our ecosystem connects to Hanzo.ai and Lux Network, extending enterprise-grade AI and settlement infrastructure to institutions of every size.
Engineered by people who have built for regulated finance
ACM Global Tech is led by Michael Gladczuk (Founder and CEO) and Zach Kelling (Chief Scientist), and operates from Orlando and Jacksonville, Florida.
Our teams pair data-first architecture and agentic AI with the discipline that regulated institutions require. That combination is how we turn an ambitious vision into infrastructure banks and credit unions can actually deploy. To go deeper, explore our RWA and stablecoin settlement capabilities, see how we serve credit unions, or read more about ACM.
Let's build the future of your institution
If our vision matches where you want your bank, credit union, or healthcare organization to go, we should talk.
Talk to ACMFrequently asked questions
What is ACM Global Tech's vision?
To give credit unions, community and mid-sized banks, and healthcare organizations one complete, client-owned banking ecosystem that is regulated-first and people-first, so they can modernize and compete without stitching together a dozen vendors or giving up their brand.
What makes ACM's approach different from legacy banking technology?
ACM unifies core banking, payments, treasury, FX, RWA tokenization, and stablecoin settlement into a single white-label platform institutions own and brand. It is built compliance-ready, secured with post-quantum cryptography, and delivered through our Agile Speed Framework, targeting up to 95% lower infrastructure cost versus legacy core stacks.
Who leads ACM Global Tech and where is it based?
ACM Global Tech is led by Michael Gladczuk, Founder and CEO, and Zach Kelling, Chief Scientist. The company operates from Orlando and Jacksonville, Florida, and partners with Hanzo.ai and Lux Network.