ACI Worldwide Extends ACI Connetic to Support Payments Orchestrated Through Swift’s Ledger

ACI Connetic will let banks run Swift-ledger tokenized deposits and traditional payments on one operational platform instead of separate operations.

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ACI Connetic will support payments orchestrated through Swift’s ledger alongside existing payment flows within a single operating model

OMAHA, Neb.--(BUSINESS WIRE)-- ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, today announced it is bringing intelligent routing for Swift ledger transactions to ACI Connetic, its cloud-native payments hub. The capability will allow banks to process tokenized deposit payments alongside traditional payment types using the same operational controls, workflows and infrastructure, eliminating the need for separate digital-asset payment operations.

Swift announced its blockchain-based ledger last year and has since confirmed it is ready for initial use, with 17 banks across six continents piloting use cases. The ledger creates a way for banks to move tokenized deposits across borders, outside of a single institution and beyond traditional operating hours. The infrastructure is arriving quickly, but many institutions have yet to fit these payments into day-to-day operations. ACI Connetic will bring Swift ledger transactions into the same payments environment banks already use to route, monitor, control and reconcile payments at scale.

Getting a tokenized deposit payment through a bank today still means running it as a project, with a dedicated team, processes built outside normal payment operations, and manual steps wherever those processes meet the systems of record. That works at pilot volume and breaks at production volume. The harder question for most banks is how to run these payments every day without creating a parallel operation to support them.

“Digital assets should extend a bank’s payment capabilities, not force it to build a second payment operation,” said Craig Ramsey, SVP, Head of Account-to-Account Payments, ACI Worldwide. “Banks need a practical way to operationalize tokenized deposits at scale using the people, controls and processes they already trust. With ACI Connetic, payments orchestrated through Swift’s ledger can be managed alongside other payment flows within a common operational framework.”

ACI Connetic unifies payment types, payment rails and operational controls on a single cloud-native platform, so banks can originate, route and manage tokenized deposit payments alongside traditional payment flows through a single integration. Using bank- and customer-defined rules, the platform automatically selects the most appropriate clearing and settlement path, giving banks the flexibility to balance speed, cost, availability and customer expectations while maintaining consistent controls and visibility across the payment lifecycle.

Demand is growing for intelligent payments infrastructure that can take on new payment models without adding operational complexity. As tokenized deposits move from pilot programs into production, banks need the scale, resilience and intelligent orchestration to run traditional and digital-asset payments on one platform. ACI Connetic’s cloud-native architecture lets institutions scale processing volumes without building a separate operation to carry them.

Ramsey will participate in Swift’s Partner Connect Session at Sibos to discuss what it takes for banks to make the ledger part of their production payments environment. He and the ACI team will be at stand D027 throughout the week. Jeremy McDougall, Strategic Solution Consulting Director, ACI Worldwide, will lead live showcases at the stand on Wednesday, Sept. 30, at 9:30 a.m. and 4 p.m. Each session will walk through how ACI Connetic will use intelligent payment routing to handle cross-border payments orchestrated through Swift’s ledger, with ACI experts on hand to answer questions.

For more information, visit www.aciworldwide.com/connetic.

About ACI Worldwide

ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With more than 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.

© Copyright ACI Worldwide, Inc. 2026.

ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay ONE and all ACI product/solution names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties’ trademarks referenced are the property of their respective owners.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260922163584/en/

Media
Katrin Boettger, Communications & Corporate Affairs Director, ACI Worldwide, katrin.boettger@aciworldwide.com

Pierce Rohrmann, Global Head of Communications & Corporate Affairs, ACI Worldwide, pierce.rohrmann@aciworldwide.com

Source: ACI Worldwide

Key Terms

tokenized deposits financial

Digital tokens that represent traditional bank deposits held at a regulated institution, recorded on a blockchain-like system so each token is a claim on the underlying cash. They matter to investors because they can speed up transfers, enable new trading and lending services, and increase transparency much like converting paper money into an instantly transferable digital voucher, while still carrying banking and regulatory risks tied to the issuer.

blockchain-based ledger technical

A blockchain-based ledger is a digital record-keeping system that stores transactions in linked blocks across a distributed network so all participants hold synchronized copies; cryptography and consensus rules make past entries hard to change. Think of it as a shared, tamper-evident spreadsheet where each new row is validated by the group before being added. Investors care because it changes how ownership, transfers, transparency, and audit trails are created, verified, and secured.

cloud-native technical

Cloud-native describes a way of creating and running applications that are designed specifically to operate smoothly on cloud computing platforms. Think of it as building a house with flexible, lightweight materials that can be easily moved, scaled, or adjusted as needed, rather than using rigid, traditional construction. For investors, it signifies technology that is more adaptable, efficient, and capable of quickly responding to changing market demands.

payment rails technical

Payment rails are the networks and systems that move money electronically between buyers, sellers, banks and payment processors—think of them as the roads and tunnels that let cash travel from one place to another. They matter to investors because their speed, cost, reliability and geographic reach affect a business’s ability to collect revenue, control costs, expand into new markets and manage fraud risk, which in turn influences profitability and growth prospects.