ACI Worldwide  has announced a new integration with Kinexys by J.P. Morgan, embedding the Confirm application from Kinexys Liink into its Fraud and Financial Crime solution. The move is aimed at enhancing account and payee verification within payment workflows as real-time payments continue to expand globally. The integration allows financial institutions to verify account ownership and recipient details before transactions are completed an increasingly critical capability as instant payments eliminate the window for post-transaction intervention. By embedding verification directly into the payment flow, banks can reduce fraud risks while maintaining speed and user experience.

Marc Trepanier highlighted that real-time payments fundamentally change how fraud must be managed, noting that verification must occur before funds are transferred rather than after. This shift is driving the need for integrated, real-time fraud prevention capabilities.

The collaboration comes at a time when fraud linked to instant payments is rising sharply. Authorized push payment (APP) scams are already generating billions in global losses, with a growing share occurring on real-time payment rails. As adoption increases, financial institutions are under pressure to strengthen pre-transaction controls to prevent fraud rather than relying solely on detection and recovery mechanisms. By integrating Kinexys Liink’s Confirm application, ACI enables banks to confirm that accounts are valid, active, and match the intended recipient before initiating payments. This helps prevent misdirected transactions and scams without introducing additional friction for legitimate users.

Gloria Wan said the integration simplifies how institutions meet evolving verification requirements while improving customer protection. She noted that the collaboration supports financial institutions in adapting to a rapidly changing payments environment and building greater trust in transactions.

Kinexys Liink operates as a bank-led, blockchain-based data-sharing network that facilitates secure information exchange across more than 70 countries. Its payment-agnostic design allows institutions to handle verification requests through a single connection while maintaining data privacy and control.

The integration is part of ACI’s broader strategy to unify fraud prevention and payment processing within its cloud-native platform, enabling consistent controls across multiple payment types, including ACH, wire transfers, and instant payments. By combining verification, fraud detection, and transaction processing, ACI aims to help institutions scale securely while meeting evolving regulatory and customer expectations. As real-time payments continue to grow, the partnership underscores a broader industry shift toward embedding security directly into transaction workflows ensuring that fraud prevention keeps pace with the speed of modern digital payments.

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