We make bank connectivity fast and easy.
Acme builds, runs and maintains the bank integrations behind APAC's leading fintechs — so their teams ship product instead of bank protocols. A non-regulated technology layer: you keep your banks, funds and custody. We just make the banks easy to talk to.
One APIBuilt, run & maintained
SecondsIt started with a two-day wait — and an accusation.
The problem
JX Lye, founder of Acme, was a founding partner and CPO at Endowus, where he experienced firsthand how broken bank connectivity could hold an entire business back.
In 2020, during COVID, Endowus was processing 20,000–25,000 deposits a day. Yet, despite the speed of PayNow, customers still waited up to two business days for their deposits to be recognised. Banks sent end-of-day statements by email, and the team had to reconcile transactions manually, one by one.
Customers expected their money to arrive in minutes. Instead, they waited days.
The frustration went beyond operations. JX’s name even appeared on a public forum, with accusations that Endowus was holding deposits to earn interest. The reality was far less sinister: the underlying bank connectivity simply wasn’t working as it should.
The fix
JX set out to fix it. Deposits that once took days to reconcile could now be confirmed in seconds.
Why Acme exists
But solving the problem for one company wasn’t enough. He founded Acme to address the underlying infrastructure gap — so other fintech and wealth platforms wouldn’t have to face the same challenges.
Today, many of the region’s leading wealth and fintech platforms rely on Acme for their bank connectivity.
One pipe to every bank.
Connecting to a bank should take weeks, not a year — and stay working without a team babysitting it. We build the integration, own the bank relationship, and absorb every bank change.
We build and run every bank integration.
From first spec to go-live, we build each connection and run it in production. Your engineers never touch a bank protocol.
You keep custody — we're a tech layer, not a bank.
A non-regulated technology layer. Your banks, funds and credentials stay yours. We just make the banks easy to talk to.
Maintenance is the moat.
Banks change. We own the bank relationship and absorb every change, so your integrations keep working without a team babysitting them.
Team
JX Lye
Founder & CEO
Cayter Goh
CTO
Ming Miin Teoh
Product Lead