White-Label Mobile Wallet for Regulated Institutions
Your brand. Your wallet. Your members.
A complete, client-owned mobile wallet that puts deposits, payments, multi-currency FX, cards, and stablecoin settlement in one app, carrying your institution's name, not ours.
One app for everyday banking and modern money movement
The ACM Mobile Wallet is the customer-facing layer of our white-label banking ecosystem. It connects directly to your core banking platform, plus deposits, lending, payments, and FX rails, so members get a single, branded experience instead of a patchwork of disconnected apps.
Built regulated-first for credit unions, community and mid-sized banks, and healthcare organizations, the wallet is designed for institutions that answer to examiners and members alike. You own the brand, the data, and the relationship. We provide the technology underneath.
What members can do
A modern wallet that handles routine banking and emerging digital money in the same place.
Deposits & balances
Check balances, move money between accounts, and manage deposit products in real time, tied straight to your core.
Payments & transfers
Person-to-person, bill pay, and account-to-account transfers, with stablecoin settlement available for faster, lower-cost movement.
Multi-currency & FX
Hold and convert across currencies with industry-leading exchange rates and real-time FX spanning 200+ markets.
Cards in the wallet
Provision issued cards to mobile wallets, freeze and unfreeze instantly, and view transactions as they post.
Tokenized assets
Optional, non-custodial support for real-world asset tokens and stablecoins, surfaced cleanly alongside everyday balances.
Lending & servicing
Apply, view loan status, and make payments without leaving the app, keeping the full relationship in one place.
Security and compliance designed in
Banks will scrutinize this layer hardest, so we engineered it for that scrutiny.
- Post-quantum cryptography: forward-looking encryption that protects member data and transactions against tomorrow's threats, not just today's.
- Regulated-first architecture: compliance-ready controls, audit trails, and data residency built for institutions under examiner oversight.
- Client-owned and brandable: your colors, your name, your app-store presence. ACM stays behind the curtain.
- Non-custodial options: for digital-asset features, members can retain control of keys where your model and regulators call for it.
- Efficient infrastructure: a modern stack engineered to target up to 95% lower infrastructure cost versus legacy core systems.
Live faster with the Agile Speed Framework
Our delivery model is built to get a branded wallet into members' hands quickly, then iterate.
Because the wallet plugs into the broader ACM ecosystem, core, payments, FX, and card issuing, you are not stitching together vendors. AI and data tooling, developed with ecosystem partners Hanzo.ai and Lux Network, helps you understand engagement and personalize the experience over time.
The wallet is a natural fit for credit unions and community banks that want a member-owned digital front door. From our teams in Orlando and Jacksonville, Florida, ACM partners with your institution to launch, support, and evolve the wallet as a long-term product, not a one-off project.
Connects to the rails your members already use
The wallet is the front door to your institution, so it has to fit the systems behind it and the phones in front of it. ACM exposes documented REST APIs and mobile SDKs so the wallet binds to your existing core, ledger, and identity stack rather than forcing a rip-and-replace.
Core, ledger & KYC
Connectors map balances, transactions, and member records to your core or a third-party ledger, and hand off identity and IDV to your existing KYC/AML provider.
Card networks & push provisioning
Issued cards tokenize for Apple Pay, Google Pay, and Samsung Wallet via in-app push provisioning, so tap-to-pay works from first activation.
Payments & FX rails
The same wallet calls ACH, RTP, wire, and optional stablecoin settlement, with multi-currency conversion across 200+ markets from one balance view.
Identity & SSO
Federate sign-in through OIDC/SAML and biometrics, with device binding so the wallet trusts the handset, not just the password.
Govern the wallet and card program from one console
Your operations, fraud, and compliance teams need control of a live app in members' hands, including the release pipeline behind it.
- Role-based access: scope staff to wallet configuration, card spend rules, or member support, with SSO and least-privilege roles separating who can change limits from who can view PII.
- App-store release governance: staged rollouts, feature flags, and forced-upgrade controls let you ship branded iOS and Android builds without breaking members on older versions.
- Examiner-ready audit trails: every config change, card freeze, provisioning event, and transaction is logged immutably for the reviews bank and credit-union examiners expect.
- Device & session control: revoke a lost device, force re-authentication, and view active sessions per member, with post-quantum-protected data in transit and at rest.
Ready to put your brand in members' pockets?
Let's scope a white-label mobile wallet around your core, your compliance needs, and your roadmap.
Talk to ACMFrequently asked questions
Is the mobile wallet truly white-label?
Yes. The wallet ships under your institution's name and branding across the app stores and in-app experience. You own the brand, the customer relationship, and the data; ACM provides the underlying technology and stays behind the scenes.
Does the wallet support stablecoins and tokenized assets?
It can. The wallet offers optional, non-custodial support for stablecoin settlement and real-world asset tokens, surfaced alongside everyday balances. These features are configured to fit your business model and regulatory posture, and the platform is built compliance-ready for regulated institutions.
How does the wallet connect to our existing systems?
The wallet is the customer-facing layer of ACM's banking ecosystem and connects to core banking, deposits, lending, payments, FX, and card issuing. Because these components are part of one platform, you avoid stitching together multiple vendors, and our Agile Speed Framework is designed to shorten time to launch.
What security protections are built in?
The wallet is engineered regulated-first, with post-quantum cryptography, audit trails, and compliance-ready controls. For digital-asset features, non-custodial options let members retain control of their keys where your model and regulators require it.