Phixius by Nacha and Kinexys by J.P. Morgan Integration Goes Live

Phixius by Nacha, a secure peer-to-peer payment information network, and Kinexys Liink — part of Kinexys by J.P. Morgan, the bank’s blockchain-based data sharing platform — have officially gone live with their integration to provide a multi-responder account validation network for financial institutions and payments users.

This launch represents a meaningful step in the evolution of payment data interoperability, combining Nacha’s established Phixius payment information network with Kinexys Liink’s blockchain-enabled information exchange services to help organisations validate bank account ownership, status and related payment data in near real time — reducing fraud risk and payment errors in both domestic ACH and international transactions.

According to Nacha, the integration broadens the coverage of account validation responses, giving data requesters access to trusted information from multiple sources in the Phixius network via the Kinexys Liink platform.

What This Integration Does

Traditionally, validating bank account details — such as verifying ownership and routing information — has been a manual, error-prone process that slows down transaction flows and increases the potential for failed or fraudulent payments. By linking the two networks:

• Phixius can serve as a key account-validation responder for clients on Kinexys Liink, extending its domestic U.S. payment identity data into a broader global ecosystem.
• Kinexys Liink clients can receive real-time validation responses from multiple trusted sources rather than relying on a single data feed, improving reliability and confidence in payment data.
• The integration supports near real-time validation of domestic bank account information, benefitting both ACH payment processing and broader cross-border settlement operations.

By combining payments data and blockchain-based exchange protocols, the platform aims to reduce payment errors, lower fraud risk and improve operational efficiency for banks, fintechs and other institutions that depend on accurate account information.

Why This Matters

The new integration addresses a long-standing need in the payments ecosystem for trusted, scalable, real-time account verification — a foundational element for reducing settlement failures and mitigating fraud in both domestic and cross-border flows.

Phixius, governed by Nacha, is built to make settlement-related data securely exchangeable between authorised parties without centralised aggregation, using agreed-upon rules and strong data governance.

Kinexys Liink, a blockchain-enabled information exchange network offered by Kinexys by J.P. Morgan, is designed to support secure, sovereign data sharing across multiple institutions and rails, making it suitable for global payment validation and settlement scenarios.

Together, these networks help data requesters — such as banks, fintechs and payers — obtain multi-source validation responses, reducing reliance on single points of truth and enabling a network effect that strengthens the accuracy and reach of payment verification.

Rob Unger, Managing Director of ACH Network Development at Nacha, noted that the multi-responder model “delivers clear value to data requesters” by expanding the coverage and reliability of account data while enabling secure, efficient solutions for validation needs.

On the other side, Gloria Wan, General Manager of Kinexys Liink, highlighted that connecting to Phixius amplifies the global distribution of U.S. account data, strengthening cross-border payment security and expanding the benefits of the combined ecosystem.

Implications for Payments and Fraud Prevention

Account validation plays a vital role in reducing failed payments, ACH returns and fraud — common pain points for banks and corporate payers alike. By accessing validation from multiple trusted sources in a single workflow, institutions can:

• Accelerate payment processing times
• Enhance fraud detection and risk management
• Reduce operational costs associated with manual verification
• Improve cross-border payment reliability

Given the increasing complexity of global payment flows and the heightened scrutiny on fraud risk, this integration offers a practical path forward for institutions seeking both domestic efficiency and international interoperability.

Strategic Perspectives from Industry Leaders

The integration highlights broader industry shifts toward blockchain-enabled interoperability and real-time verification capabilities, aligning with ongoing efforts to modernise legacy payment infrastructures and reduce friction in global money movement.

For Nacha — the body that governs the U.S. ACH network — this development builds on years of work enhancing Phixius as a standardised utility for payment data exchange, offering secure, governed access to trusted information.

For Kinexys by J.P. Morgan, the move reinforces its strategy of using blockchain technology to transform information exchange and settlement infrastructure — a focus that spans multiple products including cross-border payments, tokenised assets and programmable rails.

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