ACI Worldwide announced on April 24, 2026 that it has integrated Kinexys by J.P. Morgan’s Liink Confirm application into its Fraud and Financial Crime solution, embedding account‑and‑payee verification directly into payment workflows to reduce fraud risk while maintaining faster, safer transactions at scale.
The integration adds a real‑time verification layer that automatically checks account ownership and payee legitimacy before a payment is authorized, allowing banks to flag suspicious activity earlier in the transaction path and potentially lower decline rates while protecting customer funds.
Real‑time payments are growing rapidly, but the rise of authorized push payment (APP) scams has made fraud a top priority. ACI’s Scamscope report notes that APP scams generated $4.4 billion in losses worldwide in 2025 and are projected to reach $7.6 billion by 2028, with a significant portion occurring on real‑time rails.
Kinexys Liink is a bank‑led, peer‑to‑peer blockchain‑based data sharing network that validates account ownership in over 70 countries, providing a globally capable verification service that complements ACI’s fraud engine.
The partnership aligns with ACI’s cloud‑native strategy, integrating the new layer into its ACI Connetic platform, which unifies account‑to‑account payments, card payments, and AI‑driven fraud prevention into a single, modular architecture.
Marc Trepanier, director of analytics and optimization for fraud and financial crime at ACI Worldwide, said, "Instant payments change the economics and timing of fraud. When payments settle in real time, verification must have happened prior to the transaction." Gloria Wan, general manager of Kinexys Liink, added, "By integrating Kinexys Liink's Confirm application directly into ACI's fraud management platform, we're making it easier for institutions to meet evolving account validation requirements and help protect their customers from fraud. Together, we're supporting institutions as they adapt to a rapidly changing landscape and build greater trust in every transaction."
By embedding real‑time verification into the payment flow, the integration is expected to lower decline rates, reduce fraud losses, and strengthen ACI’s value proposition to banking customers who demand secure instant payments.
The move positions ACI to offer a more comprehensive, end‑to‑end fraud‑prevention stack in the expanding real‑time payments market, reinforcing its strategy to deliver integrated security across all payment rails.
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