Jack Henry 扩大与谷歌云合作，成首家集成 GCUL 分布式账本的核心银行技术商，拟推代币化存款

October 16, 2026 at 11:00 AM EDT
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Jack Henry
will be the first core banking technology provider to integrate with Google Cloud Universal Ledger (GCUL)
Expanded capabilities help financial institutions innovate, retain deposits, and deliver new digital experiences
The announcement builds on the strategic relationship
Jack Henry
and
Google Cloud
established in 2022
MONETT, Mo.
,
Oct. 16, 2026
/PRNewswire/ --
Jack Henry
®
(Nasdaq: JKHY) today announced an expansion of its collaboration with
Google Cloud
designed to pave the way for banks and credit unions to offer tokenized deposits through Google Cloud Universal Ledger (GCUL). As part of the expanding relationship,
Jack Henry
will become the first core technology provider to integrate with GCUL, helping financial institutions modernize deposit offerings, strengthen accountholder relationships, and introduce new payment and settlement capabilities. GCUL is a fully managed, distributed ledger service that enables financial institutions to tokenize and transfer money and assets on a shared, real-time record with programmable, 24/7 settlement capabilities.
As consumer and business expectations continue to evolve toward real-time, programmable, and seamless financial experiences, community and regional financial institutions face growing competition from large banks and
fintech
providers. By integrating tokenized deposit infrastructure into
Jack Henry's
ecosystem, banks and credit unions can explore new transactional use cases, enhance digital experiences, and position themselves to meet emerging market demands.
"Tokenized deposits have the potential to reshape how money moves across the financial ecosystem," said Jack Henry Chief Technology Officer
Ben Metz
. "Our strategy is centered on helping financial institutions navigate emerging technologies and access innovative capabilities through trusted, scalable infrastructure. By expanding our work with
Google Cloud
and serving as the first core technology provider to use GCUL, we're helping community banks and credit unions explore new opportunities while building on the relationships, service, and expertise that have always set them apart."
Jack Henry
and
Google Cloud
established their strategic
relationship
in 2022 to accelerate
Jack Henry's
cloud-native technology modernization strategy. Last June, the companies
announced plans
to deliver AI-driven security capabilities, integrating
Google Cloud's
agentic defense solutions to protect banks and credit unions against increasingly sophisticated cyber threats. The integration with GCUL combines modern ledger technology with secure, scalable cloud infrastructure to help financial institutions explore new
digital asset
and payment capabilities.
Key benefits of tokenized deposits through GCUL include:
Deposit Retention and Growth:
Helps financial institutions retain deposit relationships while offering emerging digital payment and value-transfer capabilities.
24/7
Programmable User Experience and Near Real-Time Settlement:
Provides end clients with instant, 24/7/365 payment execution and automated, programmable workflows across an expanding network of institutional participants, currencies, and asset classes. Supports automated settlement processes and programmable payment workflows that can improve efficiency and flexibility.
Seamless Integration:
Leverages
Jack Henry's
modern architecture to simplify adoption and reduce operational complexity.
Trusted Enterprise Infrastructure:
Blends
Jack Henry's
modern architecture to minimize operational friction and simplify adoption with
Google Cloud's
secure, scalable, and resilient distributed ledger infrastructure.
Capital Efficiency:
Maximizes capital efficiency through automated clearing and multilateral netting without requiring liquidity tie-ups or pre-funded accounts, enabling institutions to scale
digital asset
capabilities while fully preserving core reserves and primary deposit relationships.
"Financial innovation should be accessible to institutions of all sizes," said
James Tromans
, director, Web3 and Digital Assets at
Google Cloud
. "Google Cloud Universal Ledger provides a secure and scalable foundation for programmable value exchange. Through our collaboration with
Jack Henry
, we are bringing advanced
digital asset
capabilities to community and regional financial institutions, helping them build on the relationships and trust they have established with their customers."
About Jack Henry & Associates, Inc.
®
Jack Henry
®
(Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower more than 7,200 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at
www.jackhenry.com
.
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SOURCE Jack Henry & Associates, Inc.
Company: Jack Henry & Associates, Inc., 663 Highway 60, P.O. Box 807, Monett, MO 65708; Analyst Contact: Vance Sherard, Vice President, Investor Relations, (417) 235-6652; Press Contact: Mark Folk, Director, Corporate Communications, (704) 890-5323