Oracle expands Digital Assets Data Nexus to help banks bring ISO 20022 payments to digital money

Oracle (NYSE: ORCL) has expanded its Digital Assets Data Nexus platform, letting banks run stablecoins, tokenized deposits, and central bank digital currencies through the payment systems they already use.

The update lets banks connect digital assets to their existing ISO 20022 payment systems and Oracle banking payments. It also connects to Swift Ledger and has AI tools included in it for spotting suspicious activity.

What did Oracle change about its payment platform?

Oracle’s pitch for the expansion of its Digital Assets Data Nexus platform was included in its September 23 announcement from Austin, Texas. The company said that banks should not have to stand up a separate payment stack for every new token or blockchain.

Instead, the platform matches payment instructions, customers and customer accounts to digital wallets and blockchain rails. It also manages the steps that happen both on and off the blockchain and sends status updates, account reports and transaction notifications back to a bank’s existing payment system.

For banks that already use Oracle Banking Payments, the integration is built in. The updated platform will give users access to programmable wallets and what Oracle calls AI-enabled decision-making.

Oracle stated that the new capabilities are “planned to be available fiscal year 2027.”

The platform also connects to Swift Ledger, the network that banks use worldwide to send payment messages. Under this design, banks are able to record their own payment commitments and tokenized-deposit activity inside their systems, then shares that information with Swift Ledger as things happen.

How will Oracle’s 24/7 compliance system work?

Oracle pointed out that there is an operational problem digital money creates which is that transactions can become technically irreversible on a blockchain in near real time.

Oracle’s solution was to embed compliance checks into the transaction process. The platform checks payments for any violations of anti-money-laundering rules and runs standard “know your customer” and “know your business” checks. It also enforces rules banks set for their wallets, such as who can send or receive funds, transfer limits, and required approvals.

All the information from these checks, including wallet activity, transaction history, and any changes to smart contracts, gets fed into Oracle AI Database. Oracle says the system can identify patterns using behavioral analysis, relationship mapping between accounts, similarity searches, and even plain-language queries, and then flag transactions that look suspicious or coordinated. In the event of that, banks can freeze token activity, place a hold on the funds, or suspend an account but a human still reviews these actions before they are finalized.

Oracle first unveiled the Data Nexus in October 2025 as a planned 2026 launch built on the Hyperledger Fabric blockchain. The platform was intended to add support for Hyperledger Besu, the Ethereum client used for permissioned or public networks.

Oracle has said that it will demonstrate the platform at Sibos, the banking-industry conference which holds from September 28 to October 1 in Miami.