SWIVEL and Kinective Partnered for Real-Time Payments
Financial institutions can now leverage Kinective's connectivity layer to accelerate the deployment of FedNow and RTP services.
Updated on Sept. 30, 2026 in Financial Services
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SWIVEL, a subsidiary of SWBC, has established a partnership to integrate the Kinective Gateway into its Connect2Core platform. The move enables banks and credit unions to speed up the implementation of real-time payment capabilities.
Why it matters
Financial institutions face increasing pressure to modernize infrastructure for faster settlement, and this integration streamlines the process of connecting payment rails to legacy core banking systems.
The Kinective Gateway supports over 40 core banking systems and 100 fintech integrations, now serving as the backbone for SWIVEL's Connect2Core platform. The system facilitates real-time data flow for FedNow and RTP.
The players
Kinective
A financial technology firm that provides a connectivity gateway linking core banking systems to third-party fintech applications.
SWIVEL
A payment technology subsidiary of SWBC that provides a platform for core connectivity and real-time transaction processing.
SWBC
A diversified financial services company that operates as the parent organization for the payment processor SWIVEL.
The details
By integrating Kinective Gateway into the Connect2Core ecosystem, SWIVEL allows institutions to post payment data directly to their internal cores while maintaining real-time transaction visibility. This connectivity layer eliminates the need for bespoke middleware when adopting modern payment rails like FedNow or RTP. Existing users of the Connect2Core platform will see no service interruptions as the transition to the integrated system takes effect.
Timeline
September 30, 2026: Kinective and SWIVEL announced their connectivity partnership.
Market Landscape
The integration aligns with the broader push toward real-time settlement enabled by the Federal Reserve's FedNow Service. It follows a trend of payment processors prioritizing middleware solutions to bridge legacy infrastructure gaps.
Operators at financial institutions should evaluate their current core middleware to determine if a unified connectivity layer reduces the latency and cost of new payment rail implementation. Prioritize testing for real-time visibility features before committing to any core integration update.
The takeaway
Real-time payment adoption often hinges on the ease of connecting existing core ledgers to new rails like FedNow. Operations managers should track the reduction in technical debt that occurs when moving from manual middleware to standardized connectivity gateways.
Further reading
For broader trends in infrastructure, read more in Financial Services.
Source note: This article includes information reported by CUToday.
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