Alpha Modus Financial Services Selects ACI Worldwide to Power National-Scale Remittance and Bill Pay Infrastructure for Alpha Cash

Rhea-AI Summary

Alpha Modus (NASDAQ: AMOD) has signed a multi-year services agreement with ACI Worldwide to provide hosted remittance and bill-pay infrastructure for the Alpha Cash ecosystem.

The integration aims to enable national-scale digital and paper payment flows, support in-store and app-based transactions, and accelerate Alpha Cash rollout across convenience, grocery, and community retail locations.

Key Figures

ATM offering size: $3,500,000 ATM commission: 3.0% Shares outstanding: 41,959,958 shares +5 more

8 metrics

ATM offering size $3,500,000 Common stock under at-the-market sales agreement (424B3, Jan 16, 2026)

ATM commission 3.0% Commission on gross proceeds to H.C. Wainwright (424B3, Jan 16, 2026)

Shares outstanding 41,959,958 shares Common stock outstanding as of Jan 2, 2026 (424B3, Jan 16, 2026)

Illustrative ATM price $0.462 per share Used to illustrate potential ATM issuance (424B3, Jan 16, 2026)

Potential new shares 7,575,757 shares Maximum new shares under illustrative ATM scenario (424B3, Jan 16, 2026)

Shelf capacity $250,000,000 Total securities registered under S-3 shelf (S-3, Jan 7, 2026)

Public float $10,880,847 Public float as of Jan 2, 2026 (424B3 shelf prospectus)

Voting power approving issuances 74.1% Voting power backing share and warrant issuances (PRE 14C, Dec 18, 2025)

Market Reality Check

Price: $1.03 Vol: Volume 2,172,197 is 0.36x...

low vol

$1.03 Last Close

Volume Volume 2,172,197 is 0.36x the 20-day average of 5,988,238, indicating subdued trading before this news. low

Technical Shares at 0.9149 were trading below the 200-day MA of 1.05, reflecting a pre-existing downtrend.

Peers on Argus

AMOD fell 12.45% while peers were mixed: WETO (-5.33%), CYN (-2.91%), AIFF (-3.8...

AMOD fell 12.45% while peers were mixed: WETO (-5.33%), CYN (-2.91%), AIFF (-3.85%), NUKK (+0.82%), BMR (flat). This points to stock-specific dynamics rather than a broad sector move.

Common Catalyst Peer headlines involve defense contracts and AI deployments, distinct from AMOD’s payments/remittance partnership focus.

Historical Context

5 past events · Latest: Jan 29 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 29	Prepaid partnership	Positive	+0.0%	Prepay Nation deal to add prepaid services into upcoming Alpha Cash app.
Jan 27	Leadership appointment	Neutral	-0.6%	Ryan Sinclair named Head of Delivery to scale Alpha Cash kiosk rollout.
Jan 22	Litigation resolution	Positive	-0.9%	Patent dispute with Mood Media dismissed with prejudice, removing legal overhang.
Jan 20	Distribution LOI	Positive	+7.0%	LOI with SurgePays to access >8,000 merchants and up to 100,000 locations.
Jan 13	Ticketing partnership	Positive	+6.6%	Tickets For Less integration to sell live-event tickets via AlphaCash kiosks and app.

Pattern Detected

Recent strategically positive announcements around Alpha Cash, partnerships, and litigation resolution have produced mixed to negative next-day moves, suggesting a tendency for the stock to underreact or fade good news.

Recent Company History

Over the past weeks, AMOD has focused on building out the Alpha Cash ecosystem and resolving overhangs. Partnerships with Tickets For Less and SurgePays supported a planned Q1 2026 national AlphaCash rollout, with prior news flagging potential expansion into up to 100,000 locations and 3,000 pre-loaded devices per day. Additional updates included leadership hires for delivery and a favorable patent litigation resolution. Today’s ACI remittance deal fits this pattern of infrastructure and distribution build-out for underbanked-focused services.

Regulatory & Risk Context

Active S-3 Shelf · $250,000,000

Shelf Active

Active S-3 Shelf Registration 2026-01-07

$250,000,000 registered capacity

An effective S-3 shelf filed on 2026-01-07 allows AMOD to offer up to $250,000,000 of Class A common stock, warrants and/or units, including up to $3,500,000 via an at-the-market program with H.C. Wainwright. Two 424B3 prospectuses filed on 2026-01-16 indicate the shelf and ATM are active, highlighting potential dilution alongside going concern and thin-liquidity risks noted in the filings.

Market Pulse Summary

This announcement adds a national-scale remittance and bill-pay backbone from ACI Worldwide to the A...

Analysis

This announcement adds a national-scale remittance and bill-pay backbone from ACI Worldwide to the Alpha Cash ecosystem, complementing earlier partnerships and a planned Q1 2026 rollout. It reinforces AMOD’s focus on underbanked consumers and omnichannel retail distribution. At the same time, SEC filings highlight a sizable $250,000,000 shelf, an active $3,500,000 ATM program, and going concern language, making execution, funding needs, and potential dilution key metrics to monitor.

Key Terms

remittance, closed-loop platform, closed-loop financial architecture, at-the-market offering, +4 more

8 terms

remittance financial

"has entered into a multi-year services agreement with ACI Worldwide ... to support remittance and bill payment capabilities"

A remittance is a transfer of money from one party to another, often sent across borders or between businesses and customers. Think of it like mailing a payment or wiring cash to settle a bill or support family: it changes who has cash and when. Investors watch remittances because they affect a company’s cash flow, sales recognition, foreign-exchange exposure and the health of consumer demand in regions that receive or send large payments.

closed-loop platform technical

"By integrating ACI’s enterprise-grade payments infrastructure into Alpha Cash’s closed-loop platform"

A closed-loop platform is a system that continuously senses relevant data and automatically adjusts its own actions based on that feedback to keep a desired outcome within a set range. For investors, closed-loop designs can mean more reliable, hands-off performance, clearer clinical or regulatory value, higher switching costs and potential for recurring revenue because the system delivers continuous, automated control—think of a thermostat that senses temperature and corrects itself, but applied to therapy or operations.

closed-loop financial architecture technical

"Advancing Alpha Cash’s Closed-Loop Financial Architecture Alpha Cash is designed to bridge physical retail"

A closed-loop financial architecture is a company-controlled money and data system where transactions, account handling, and settlement happen inside the same platform instead of routing through many outside providers. For investors, it matters because owning the whole payment flow can cut fees, speed up processing, protect customer data, and let a business capture more revenue — like a toll road operator that both builds the road and collects the fees rather than paying another company to do it.

at-the-market offering financial

"is launching an at-the-market offering of its common stock of up to $3,500,000"

An at-the-market offering is a method companies use to sell new shares of stock directly into the open market over time, rather than all at once. This allows them to raise money gradually, similar to selling small pieces of a product instead of a large batch. For investors, it means the company can access funding more flexibly, but it may also increase the supply of shares and influence the stock’s price.

shelf registration regulatory

"has filed a shelf registration to offer and sell up to $250,000,000 of Class A common stock"

Shelf registration is when a company gets permission ahead of time to sell new stocks or bonds over a period of time instead of all at once. It matters to investors because it lets a company raise money quickly when needed, but it can also change the value of existing shares if many new ones are sold.

going concern financial

"The auditor’s report ... includes a going concern qualification citing lack of current revenues"

A going concern is a business that is expected to continue its operations and meet its obligations for the foreseeable future, rather than shutting down or selling off assets. This assumption matters to investors because it indicates stability and ongoing profitability, making the business a more reliable investment. Think of it as believing a restaurant will stay open and serve customers, rather than closing down suddenly.

regulation fd regulatory

"The company notes that this information is being furnished under a Regulation FD disclosure"

Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.

conversion price financial

"The Series C Preferred is convertible at a “Conversion Price” defined to be the lesser of $10.00"

The conversion price is the fixed price at which a convertible security, like a bond or preferred stock, can be exchanged for shares of common stock. It acts like a set rate that determines how many shares an investor can receive if they choose to convert their investment. This helps investors understand the value and potential benefits of converting their securities into company shares.

AI-generated analysis. Not financial advice.

CORNELIUS, N.C., Feb. 03, 2026 (GLOBE NEWSWIRE) -- Alpha Modus Financial Services (“AMFS”), a division of  Alpha Modus Holdings, Inc. (“Alpha Modus”) (NASDAQ: AMOD), has entered into a multi-year services agreement with ACI Worldwide (“ACI”) (NASDAQ: ACIW), a global leader in mission-critical real-time payments software, to support remittance and bill payment capabilities across the Alpha Cash ecosystem.

“The underbanked community doesn’t have a product problem, they have a workflow problem, and that’s what Alpha Cash is designed to solve,” said Chris Chumas, Chief Strategy Officer of Alpha Modus. “By integrating ACI’s enterprise-grade payments infrastructure into Alpha Cash’s closed-loop platform and a distribution network aimed to target thousands of retail access points nationwide, we will not just adding convenience,” Chumas said, “We would be establishing a reliable, bank-grade bill payment foundation while enabling Alpha Cash to support a broader set of everyday financial transactions including funds transfer, check cashing, and reload services through its expanding partner ecosystem.”

Mr. Chumas continued: “This integration follows our recent disclosures around national retail distribution, pilot deployments with a major retailer, and enterprise partnerships that together aim to place the Alpha Cash app directly in the hands of consumers across the more than 100 million Americans who rely on prepaid and cash-based financial flows each month. The integration with ACI is not incremental, it should establish the payments backbone required to modernize daily financial workflows for millions who have long been underserved by legacy systems.”

Under the agreement, Alpha Modus Financial Services will leverage ACI’s hosted remittance services to electronically initiate and deliver payments to third-party payees, supporting both digital and physical transaction flows. The platform is designed to enable electronic payments as well as paper-based disbursements where required, providing national coverage and operational flexibility as Alpha Cash targets a deployment across convenience, grocery, and community retail locations.

“For consumers, especially those living paycheck-to-paycheck, the timing of their payments is everything,” noted Ronald Shultz, EVP and general manager of the ACI Speedpay business within ACI Worldwide. “As a business, our purpose is to ensure that billers – and their consumers -- never miss a payment. Our partnership with Alpha Modus is a great example of bringing this purpose to life, where the underbanked community now has a comprehensive bill pay solution optimized to help them better manage their financial lives.

Advancing Alpha Cash’s Closed-Loop Financial Architecture

Alpha Cash is designed to bridge physical retail environments with digital financial services, allowing consumers to initiate, complete, and verify transactions across multiple touchpoints. By integrating ACI’s remittance infrastructure, Alpha Modus is dedicated to strengthen its ability to:

• Enable reliable bill payment and remittance services at scale
  
• Support high-volume transaction processing with enterprise-grade compliance
  
• Expand Alpha Cash functionality across both app-based and in-store experiences
  
• Maintain operational consistency as the platform is rolled out nationally
  

The agreement aligns with Alpha Modus’s broader strategy of building a closed-loop financial and commerce platform that can sense consumer intent, decide in real time, deliver services at the point of need, and attribute outcomes across channels.

Built for Scale, Compliance, and Retail Distribution

ACI’s remittance services are designed to support banks, FinTech’s, and third-party aggregators operating in regulated payment environments. The platform provides reporting, settlement workflows, and operational controls required to support consumer-facing financial services at scale, a critical requirement as Alpha Cash focuses on distribution through high-traffic retail locations.

Positioning Alpha Cash for National Expansion

This announcement builds on recent Alpha Modus disclosures highlighting the growing role of physical retail locations as access points for financial services and the company’s focus on serving consumers who rely on cash, alternative financial services, or hybrid digital-physical experiences.

By pairing enterprise-grade payments infrastructure with Alpha Modus’s patented retail intelligence and engagement technologies, Alpha Cash is positioning itself to operate as a next-generation financial services layer embedded directly into everyday retail environments.

About Alpha Modus Holdings, Inc.

Alpha Modus Holdings, Inc. (“Alpha Modus”) (NASDAQ: AMOD) is a vertical AI company focused on real-time, in-store shopper engagement and attribution. Its patented “closed-loop” retail AI framework, Sense → Decide → Deliver → Attribute, enables brands and retailers to measure the full impact of digital content, physical interactions, and transaction outcomes. Through subsidiaries like Alpha Modus Financial Services, the company is actively deploying technologies that merge artificial intelligence, retail media, and financial access across the physical retail landscape.

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 nearly 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead.

Approximately 7,000 organizations globally choose ACI to deliver commerce and payment security for the near one-third of the world's digital payment transactions across more than 70 countries. Our more than 3,000 employees are dedicated to serving customers in 190 countries with localized payment solutions. Visit ACI Worldwide to learn more.

For more information, visit: www.alphamodus.com

Alpha Modus maintains a comprehensive overview of its patent portfolio on its website: https://alphamodus.com/what-we-do/patent-portfolio/.

For more information and to access Alpha Modus’ press room, visit: https://alphamodus.com/press-room/

Forward-Looking Statements
This press release includes “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. Alpha Modus’s actual results may differ from their expectations, estimates, and projections, and, consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,” and similar expressions (or the negative versions of such words or expressions) are intended to identify such forward-looking statements, but are not the exclusive means of identifying these statements. These forward-looking statements include, without limitation, Alpha Modus’s expectations with respect to future performance.

Alpha Modus Holdings, Inc. (“Alpha Modus”) cautions readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. Alpha Modus does not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions, or circumstances on which any such statement is based.

Contact Information

Investor Relations
Alpha Modus Holdings, Inc.
Email: ir@alphamodus.com
Website: www.alphamodus.com

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A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/7586558b-1023-4e48-bddb-ee3f8c4e7f02

FAQ

What did Alpha Modus (AMOD) announce about its partnership with ACI Worldwide on Feb 3, 2026?

Alpha Modus announced a multi-year services agreement with ACI Worldwide to power remittance and bill-pay infrastructure. According to Alpha Modus, the deal provides hosted remittance services to support digital and paper payments across the Alpha Cash network.

How will the ACI integration affect Alpha Cash deployment and retail distribution?

The ACI integration is intended to enable national-scale deployment across retail channels. According to Alpha Modus, the platform targets convenience, grocery, and community retail locations and supports both in-store and app-based transaction workflows.

What payment capabilities will Alpha Cash gain from ACI Worldwide under the AMOD agreement?

Alpha Cash will gain enterprise-grade remittance, bill pay, funds transfer, check cashing, and reload services. According to Alpha Modus, the hosted services support electronic initiation, delivery to third-party payees, and paper disbursements where required.

Does the ACI partnership address compliance and high-volume processing for Alpha Modus (AMOD)?

Yes, the agreement is meant to support enterprise-grade compliance and high-volume transaction processing. According to Alpha Modus, ACI’s platform provides reporting, settlement workflows, and operational controls for regulated payment environments.

Who does Alpha Modus say will benefit from the Alpha Cash and ACI bill-pay solution?

Alpha Modus says underbanked and cash-reliant consumers will benefit from improved payment workflows and reliability. According to Alpha Modus, the solution aims to modernize daily financial transactions for millions who use prepaid and cash-based flows.