ACI Worldwide on Tuesday announced it is bringing intelligent routing for Swift ledger transactions to ACI Connetic, its cloud-native payments hub.

The company said this 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.

ACI Worldwide explained that 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,” ACI Worldwide said.

ACI Connetic can unify 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 can automatically select 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.

ACI Worldwide went on to say that 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, ACI Worldwide said banks need the scale, resilience and intelligent orchestration to run traditional and digital-asset payments on one platform.

ACI Connetic’s cloud-native architecture can let institutions scale processing volumes without building a separate operation to carry them.

“Digital assets should extend a bank’s payment capabilities, not force it to build a second payment operation,” said Craig Ramsey, senior vice president and head of account-to-account Payments at 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,” Ramsey added.

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