FHLBank Atlanta Selects ACI Worldwide to Modernize Fedwire Funds Service Operations

Federal Home Loan Bank of Atlanta (FHLBank Atlanta) has selected ACI Connetic to modernize its payment processing for the Fedwire Funds Service. For fintech professionals, this migration of high-value liquidity services to a cloud-native platform signals a critical shift in how systemically important financial institutions manage massive capital flows without compromising operational stability.

What was announced

FHLBank Atlanta is deploying ACI Connetic to handle the payment processing behind its member funding services. The implementation specifically covers the Bank’s activity on the Fedwire Funds Service, a critical channel for the institution’s liquidity operations. In the first half of 2026 alone, FHLBank Atlanta originated $234.8 billion of advances. This volume represents hundreds of individual transactions every week, with individual advance sizes ranging from hundreds of thousands of dollars to several billion dollars.

The solution is delivered as a service, creating a hybrid operational model. ACI Worldwide is responsible for operating the platform, while FHLBank Atlanta teams maintain direct control over the payment operations running on the system. ACI Connetic is designed to support connectivity to major payment networks and clearing systems through a single, unified platform. Under this agreement, FHLBank Atlanta determines which specific network connections its implementation includes, starting with the Fedwire Funds Service to support its mission of providing liquidity to member institutions across its district.

"Our mission depends on moving funds efficiently, accurately, and without interruption. Every payment supports a member institution that is serving local communities across our district. ACI Connetic will help us modernize our payment operations while maintaining the reliability and operational excellence that are essential to our business."

Alp Can, chief operating officer, FHLBank Atlanta.

The companies involved

ACI Worldwide is a global payments technology provider and an original innovator in the space. The company focuses on real-time, any-to-any payment solutions, serving a broad spectrum of financial institutions and intermediaries. Its portfolio includes platforms for retail payments, bill payments, and real-time clearing, with a recent emphasis on cloud-native architectures to improve visibility and scalability for its clients.

The Federal Home Loan Bank of Atlanta is part of the Federal Home Loan Bank System, which was chartered by Congress in 1932. The system was established to ensure a stable source of funding for housing finance and community investment. FHLBank Atlanta, like its counterparts such as the Federal Home Loan Bank of Boston, is a government-chartered, member-owned, and privately capitalized institution. It serves as a wholesale bank, providing liquidity to its member financial institutions to support mortgages and local economic development.

What FF News has reported before

FF News has tracked ACI Worldwide’s ongoing expansion into real-time and alternative payment ecosystems globally. The company has been active in the European market, where ACI Worldwide and EPI to Power Instant Payments in Europe highlighted its role in the continent's shifting infrastructure. This was further evidenced when ACI Worldwide Powers Rabobank’s Wero Instant Payments, advancing the European real-time transformation. Additionally, the firm has sought to bridge regional gaps through partnerships, as seen when ACI Worldwide and dLocal Partner to Unlock Latin American Alternative Payments for Global Merchants, focusing on alternative payment methods for the merchant sector.

What this means

This move underscores the industry-wide transition toward cloud-native infrastructure for high-value, "never-fail" payment systems. By shifting Fedwire processing to a managed service model, FHLBank Atlanta is addressing the increasing pressure on legacy systems to provide better data visibility and operational agility. The sheer scale of the transactions involved—reaching into the billions—suggests that the market no longer views the cloud as a risk, but rather as a prerequisite for modernizing systemic liquidity. For other district banks and large-scale clearers, the pressure is mounting to move away from monolithic, on-premise architectures that lack the flexibility to integrate with emerging real-time standards.