Oracle Expands Digital Assets Data Nexus to Help Banks Operationalize Digital Money

The planned integrations would let banks coordinate digital-money transactions through existing payment systems.

Rhea-AI Summary

Oracle (ORCL) announced an expansion of Digital Assets Data Nexus on September 23, 2026, to connect bank payments with digital money.

The planned capabilities include ISO 20022 payment-system integration, a prebuilt link to Oracle Banking Payments, and support for coordinating transactions with Swift Ledger. Configurable wallet and smart-contract controls are intended to apply banks’ policies during execution. Oracle AI Database integration is designed to bring transaction and ledger records together for monitoring, reconciliation, and analysis. Digital Assets Data Nexus is planned to be available in fiscal year 2027; the timing and delivery of described features may change.

News Explained

Oracle’s disclaimer says the described capabilities outline general product direction and are not a commitment to deliver material, code, or functionality, so the announcement sets out intended product scope rather than a delivery obligation.

Key Figures

Planned availability: Fiscal year 2027

Planned availability

Fiscal year 2027

Digital Assets Data Nexus capabilities

Key Terms

iso 20022, smart contracts, kyc/kyb, aml, +1 more

5 terms

iso 20022 technical

"using ISO 20022 messaging"

A global messaging standard for financial transactions that creates a common “language” banks and payment systems use to send payments, securities, and other money-related messages. It matters to investors because it improves speed, transparency and accuracy of transfers—like switching from many dialects to a single language—affecting settlement times, operational costs and the reliability of moving cash and data across markets.

smart contracts technical

"prebuilt and composable smart contracts"

Self-executing digital agreements whose terms are written as code and stored on a distributed ledger so they run automatically when preset conditions are met — like a vending machine that releases a snack only after you insert the right coins. Investors care because smart contracts can speed up transactions, cut middlemen, reduce errors and fraud, and create new ways to issue, trade or enforce financial assets, which affects costs, risk and regulatory oversight.

View in glossary

kyc/kyb regulatory

"integrate KYC/KYB and sanctions/AML screening"

KYC (Know Your Customer) and KYB (Know Your Business) are checks that financial firms and platforms use to verify the identity and legitimacy of individual clients and corporate customers. Like a bank checking ID or a landlord vetting a tenant, these processes reduce fraud, money laundering, and regulatory risk; they matter to investors because robust KYC/KYB lower legal and reputational exposure, influence operating costs, and affect a company’s ability to grow or access markets.

aml regulatory

"KYC/KYB and sanctions/AML screening"

AML stands for anti-money laundering — the laws, rules and internal checks that banks and businesses use to spot and stop illicit cash flows, such as proceeds from crime or funding of illegal activities. Think of it as a security checkpoint for money: investors care because poor AML controls can lead to heavy fines, frozen assets and reputational harm that hurt profits and share value, while strong controls reduce legal and operational risk.

rtgs technical

"settlement over existing RTGS or correspondent-banking rails"

Real-Time Gross Settlement (RTGS) is a banking system that transfers funds between banks instantly and individually, so each payment is settled immediately and irrevocably rather than being batched or netted. It matters to investors because RTGS handles large-value and time-sensitive transfers—think of it as a highway where each truck carries a single load and clears the toll right away—so availability and delays in RTGS affect liquidity, timing of large payments, and settlement risk in financial markets.

AI-generated analysis. How Rhea-AI works. Not financial advice.

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

New capabilities help banks extend ISO 20022 payment operations into digital money, provide prebuilt Oracle Banking Payments integration for intelligent orchestration, integrate with Swift Ledger, and support AI-assisted risk analysis and transaction oversight

AUSTIN, Texas, Sept. 23, 2026 /PRNewswire/ -- Oracle today announced an expansion of Oracle Digital Assets Data Nexus¹, with payment execution integrations, configurable wallet and smart contract controls for customer-defined governance and compliance policies, and AI-enabled oversight. The new integrations connect banking and payment operations with digital-asset transaction execution using ISO 20022 messaging, helping banks extend their money-movement operating model across traditional and digital forms of money and value. This brings improved visibility across ledgers, more consistent controls, and reduced operational fragmentation. AI-enabled monitoring and analysis will help banks identify operational exceptions, transaction anomalies, liquidity pressures, and other emerging risks and trigger policy-controlled responses.

Built for regulated financial services, Oracle Digital Assets Data Nexus is designed to provide an enterprise foundation for blockchain-based digital-asset issuance, custody, transactions, governance, and embedded supervision, helping customers move from pilot to production with enterprise-grade resilience and security. The platform will support provisioning and operation of multiple blockchain ledgers, alongside custodial wallets, prebuilt and composable smart contracts, and workflow orchestration to coordinate on-chain and off-chain activity, including atomic transactions across participating systems. Integration with Oracle AI Database will bring ledger history, smart-contract state, and workflow records into a unified data foundation for reconciliation, audit, monitoring, and analysis.

"As tokenized deposits, stablecoins, CBDCs, and other digital forms of money become more widely used in payments, settlement, and liquidity management, banks must support a growing range of assets, networks, and settlement models. At the same time, they need to preserve control over liquidity, risk, customer relationships, and operations," said Mark Rakhmilevich, vice president, mission critical data platform technologies, Oracle.

"Oracle Digital Assets Data Nexus helps financial institutions move from experimentation to production by integrating digital assets with existing banking and payment systems. It provides resilience, and enables governance and compliance controls for regulated operations, supporting a common operating model for money movement without creating a new silo for every asset or network."

These new Digital Assets Data Nexus capabilities build on the platform's multi-ledger tokenization foundation, digital-asset lifecycle management, and modular cloud and on-premises deployment. The offering also provides low-code tools with reference smart contracts, APIs, and sample applications that support use cases spanning tokenized deposits and stablecoins, CBDCs, digital bonds and funds, and real-world assets across banking environments and emerging multi-bank interoperability models such as Commercial Bank Money Token (CBMT) and Swift Ledger.

Extend existing payment operations into digital money
Digital Assets Data Nexus will integrate with existing ISO 20022-based payment hubs and enterprise systems to support digital-money transactions rather than creating a separate payment stack. It will map payment instructions, customers, and accounts to wallets and digital-money rails; coordinate on- and off-chain execution; and return payment status, account reporting, and transaction notifications to existing payment hubs.

For Oracle Banking Payments customers, prebuilt integration with Digital Assets Data Nexus will extend payment processing to digital forms of money and tokenized-money networks, supported by programmable wallets, digital-asset controls, and AI-enabled decisioning. Together, the platforms will help support context-aware intelligent orchestration across traditional and tokenized money, coordinating payment routing and execution with digital-asset workflows, liquidity positioning, funding, FX, and settlement requirements.

The platform is also designed to integrate with Swift Ledger, enabling banks to record corresponding interbank payment commitments and transaction state within their tokenized-deposit environment. Event-driven orchestration will synchronize that state with Swift Ledger and trigger workflows across custodial wallets and existing bank payment systems to complete settlement over existing RTGS or correspondent-banking rails. This architecture is designed to enable banks to participate in Swift's shared orchestration model through a bank-managed digital assets hub, retaining control of their tokenized deposits, wallets, and settlement options.

Embed end-to-end controls and intelligence
24/7 digital-money transactions can become technically irreversible on a blockchain in near real time, compressing the time available to identify unauthorized activity, catch operational errors, detect financial crime indicators, and resolve execution exceptions outside normal banking hours.

To help banks operate effectively under these conditions, Digital Assets Data Nexus embeds end-to-end compliance and transaction controls. Before and during execution, it can integrate KYC/KYB and sanctions/AML screening into transactional workflows and enforce wallet and authorization policies, transfer-eligibility rules, limits, and approvals. It will also bring together workflow audit trails, wallet-policy evaluations, transaction and ledger history, and smart-contract state changes in Oracle AI Database to create governed, auditable books and records for post-execution control verification, cross-system reconciliation, anomaly and fraud-pattern detection, investigations, and regulatory reporting.

Building on this converged data foundation, the offering uses Oracle AI Database to enable behavioral and graph analytics, vector-based similarity search, and natural-language inquiries to identify episodes of suspicious activity and coordinated patterns. This brings graph, spatial, JSON, blockchain, and vector capabilities together over a unified data record, enabling banks to connect transaction relationships, geographic context, and semantic insights with tamper-resistant history—without maintaining separate data stores for each capability, reducing data duplication, reconciliation effort, and data-management complexity.

Digital Assets Data Nexus APIs enable customers to turn those insights into policy-controlled supervisory actions by triggering cross-system workflows, updating smart-contract controls and wallet policies, and invoking related bank processes—for example, enabling workflows to adjust risk scores, limits, or approval thresholds, place holds, suspend accounts, or freeze token activity, with human oversight.

To learn more about Digital Assets Data Nexus visit https://www.oracle.com/blockchain/#data-nexus or see our solutions in action by visiting Oracle's Exhibition Stand H057 at SIBOS in Miami, Florida Sept. 28-Oct. 1, 2026.

About Oracle Financial Services
Oracle Financial Services provides solutions for retail banking, corporate banking, payments, asset management, life insurance, annuities, and healthcare payers. With our comprehensive set of integrated digital and data platforms, banks and insurers are empowered to deliver next-generation financial services. We enable customer-centric transformation, support collaborative innovation, and drive efficiency. Our data and analytical platforms help financial institutions drive customer insight, integrate risk and finance, fight financial crime, and comply with regulations. To learn more, visit our website at https://www.oracle.com/financial-services/.

About Oracle
Oracle offers integrated suites of applications plus secure, autonomous infrastructure in the Oracle Cloud. For more information about Oracle (NYSE: ORCL), please visit us at www.oracle.com.

Future Product Disclaimer
The preceding is intended to outline our general product direction. It is intended for information purposes only and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, timing, and pricing of any features or functionality described for Oracle's products may change and remains at the sole discretion of Oracle Corporation.

Trademarks
Oracle, Java, MySQL, and NetSuite are registered trademarks of Oracle Corporation. NetSuite was the first cloud company—ushering in the new era of cloud computing.

1 Planned to be available fiscal year 2027.

 

View original content to download multimedia:https://www.prnewswire.com/news-releases/oracle-expands-digital-assets-data-nexus-to-help-banks-operationalize-digital-money-302888209.html

SOURCE Oracle

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

When is Oracle Digital Assets Data Nexus planned to be available?

Digital Assets Data Nexus is planned to be available in fiscal year 2027. The timing and delivery of described product features may change.

How would Oracle Digital Assets Data Nexus work with Swift Ledger?

The planned integration would let banks record corresponding interbank payment commitments and transaction state in their tokenized-deposit environment. Event-driven workflows would synchronize that state with Swift Ledger and coordinate settlement through existing real-time gross settlement or correspondent-banking systems.

What transaction controls are planned for Oracle Digital Assets Data Nexus?

The platform is designed to apply wallet and authorization policies, transfer rules, limits, and approvals before and during execution. It can also integrate customer verification and sanctions screening into transaction workflows. Its APIs are intended to support policy-controlled actions, such as placing holds or freezing token activity, with human oversight.