Phixius by Nacha, a secure peer-to-peer payment information network, has announced its live integration with Kinexys Liink, J.
P. Morgan’s blockchain-based data sharing network, to provide financial institutions and organizations with a multi-responder account validation system for ACH payments. This integration is now operational.
This integration allows data requesters on Kinexys Liink to receive validation responses from Nacha through multiple trusted sources within the Phixius network. This aims to broaden coverage and increase confidence in account data accuracy. Phixius will function as a key U.
S. payment information network responder for Kinexys Liink clients, enabling near real-time validation of domestic bank account data.
Rob Unger, Managing Director of ACH Network Development at Nacha, stated that the integration “provides a unique multi-responder model that delivers clear value to data requesters.” He added that this collaboration “reflects a shared commitment to providing clients with secure, efficient solutions that address the growing need for accurate account validation.”
Gloria Wan, General Manager of Kinexys Liink at Kinexys by J.
P. Morgan, commented on the collaboration, noting that “By connecting to the Phixius network, we are enabling the global distribution of U.
S. account validation data, strengthening the security of cross-border payments and amplifying the benefits of network effect across the ecosystem.”
Kinexys by J.
P. Morgan, a division of J.
P. Morgan Payments, is the firm’s blockchain business unit focused on transforming the movement of information, money, and assets globally. Kinexys Liink is a payment rail-agnostic, blockchain-based information exchange network designed to facilitate frictionless and secure payment-related information exchange while maintaining sovereignty, security, and privacy. Its Confirm application supports near real-time global validation of bank account ownership, status, and transactions, with the goal of reducing payment errors, mitigating fraud risk, and improving operational efficiency in international payments.
Nacha governs the ACH Network, a payment system that facilitates Direct Deposits and Direct Payments for all U.
S. bank and credit union accounts. In 2025, the ACH Network processed 35.2 billion payments totaling $93 trillion. Nacha is responsible for developing rules and standards, providing industry solutions, and delivering education, accreditation, and advisory services.
