Payments & Stablecoins
Move money in real time — fiat and stablecoin, on rails you own
ACM Global Tech unifies card, account-to-account, cross-border, and stablecoin settlement into one white-label payments stack, built for regulated institutions and branded as your own.
One payments platform, two settlement worlds
Most institutions run card processing, ACH and wire, cross-border FX, and digital-asset settlement on separate, aging systems. ACM brings them onto a single, compliance-ready platform so payments move faster, reconcile cleaner, and cost less to operate.
Whether your members and customers pay by card, send an instant transfer, settle across borders, or move value in regulated stablecoins, the experience is real-time, traceable, and carries your brand end to end. The platform is client-owned, with non-custodial options where you want to keep control of keys and funds.
What the payments stack delivers
Production-ready payment and settlement rails you can brand, configure, and extend.
Card issuing & processing
Issue branded debit, credit, and prepaid cards with real-time authorization, controls, and spend visibility for cardholders.
Account-to-account & instant pay
ACH, wire, and real-time transfers with built-in validation, so funds and reconciliation stay in sync without batch lag.
Cross-border settlement
Multi-currency payouts and collections across 200+ markets, with competitive, transparent FX built into every transaction.
Stablecoin settlement
Move and settle value in regulated stablecoins on institution-grade rails, with on/off-ramp orchestration into fiat.
Mobile wallets
Branded, non-custodial wallet options that hold fiat and tokenized balances side by side for your end users.
Treasury & liquidity
Real-time visibility into float, balances, and settlement positions across fiat and stablecoin in one ledger.
Compliance-ready, post-quantum secure
Payments and settlement infrastructure engineered to stand up to examiner scrutiny from day one.
- Regulated-first design: auditable transaction trails, controls, and reporting built for the institutions we serve, not bolted on later.
- Post-quantum cryptography: long-lived payment and settlement records protected against "harvest now, decrypt later" exposure.
- Non-custodial options: keep control of keys and funds where your risk and regulatory posture call for it.
- Client-owned and brandable: the entire payments experience carries your brand and stays under your control.
- Agile Speed Framework: our delivery model gets payment capabilities into production quickly, without compromising security review.
Part of a complete banking ecosystem
Payments and stablecoins do not stand alone. They plug into the rest of the ACM platform and our ecosystem partners.
Pair real-time payments with exchange & multi-currency FX for transparent cross-border pricing, and extend into tokenized settlement through our RWA & stablecoins capability. Underneath, the same core banking, deposits, lending, and treasury rails power every flow, and credit unions can see how it fits in our credit union solutions. Ecosystem partners Hanzo.ai and Lux Network bring agentic-AI and settlement infrastructure into reach for credit unions and mid-sized banks.
Settles into the rails you already run
The payments stack is built to sit alongside your existing core, card programs, and compliance tooling — not to replace them on day one. Connect once, then route fiat and stablecoin flows through the same orchestration layer.
Core & ledger connectors
REST and webhook APIs plus prebuilt connectors post entries to your system of record, so card, ACH, wire, and stablecoin settlement reconcile against one general ledger.
Card networks & bank rails
Integrations for card issuing and processing, ACH and wire, and real-time transfer schemes, with ISO 20022 messaging so cross-border and instant-payment flows carry structured remittance data.
KYC, sanctions & fraud
Plug in your existing identity, sanctions-screening, and transaction-monitoring providers, or use ACM's — screening runs inline on every transfer, including stablecoin on- and off-ramps.
Developer SDKs & sandbox
SDKs, a full sandbox, and idempotent payment APIs let your engineers test settlement flows end to end before a single live transaction moves.
Deploy on your terms, control every ramp
Because stablecoin settlement touches custody, fiat conversion, and recordkeeping, hosting and operational control are evaluated as carefully as the rails themselves. ACM gives risk and IT teams concrete levers.
- Hosting models: run the payments platform in ACM-managed cloud, hybrid, or private single-tenant, so settlement data and keys sit where your policy requires.
- Data residency: pin transaction records, ledgers, and audit trails to chosen regions to meet local examiner and data-protection rules.
- On/off-ramp governance: approval workflows, limits, and whitelists control how value moves between fiat and regulated stablecoins, with non-custodial options where you retain the keys.
- Role-based access & SSO: RBAC, SSO, and dual-control approvals on high-value transfers, with immutable, post-quantum-protected audit logs across both settlement worlds.
Each model is rolled out through ACM's Agile Speed Framework, so you can stand up traditional rails first and add stablecoin settlement once controls clear internal review. See how it connects to treasury & liquidity and core banking.
Ready to modernize how you settle?
Let's map your card, cross-border, and stablecoin payment flows onto one platform you own. Tell us where money slows down today.
Talk to ACMFrequently asked questions
What is white-label stablecoin settlement?
It is payment and settlement infrastructure that lets your institution move value in regulated stablecoins on institution-grade rails, branded entirely as your own. ACM orchestrates on- and off-ramps into fiat and offers non-custodial options so you can keep control of keys and funds based on your risk and regulatory posture.
Can ACM's payments platform run traditional and tokenized rails together?
Yes. Card issuing, ACH, wire, real-time transfers, cross-border FX, and stablecoin settlement run on one compliance-ready platform. You can adopt tokenized settlement at your own pace alongside the bank and card payments you already operate, with a single ledger across fiat and stablecoin.
How does ACM keep payments secure and examiner-ready?
The platform is regulated-first, with auditable transaction trails, controls, and reporting built in. It uses post-quantum cryptography to protect long-lived payment records against harvest-now, decrypt-later attacks, and supports non-custodial options where your compliance posture requires them.
Which markets and currencies does cross-border settlement cover?
ACM supports multi-currency payouts and collections across 200+ markets, with competitive, transparent FX built into each transaction. Cross-border settlement pairs directly with ACM's exchange and FX product for consistent pricing across flows.