Fiserv Unveils 24 / 7 Real-Time USD Settlement for Digital Assets, Bridging Banks and Crypto

A around-the-clock USD flow

The INDX platform, unveiled on February 12, enables crypto businesses to store and transfer U.S. dollars at any hour of the day, every day of the year. Unlike conventional banking systems that run on business hours, INDX operates continuously, 24/7/365.

Clients access a single custody account that can tap into up to $25 million of FDIC-backed protection. Fiserv routes these funds through its Deposit Network to more than 1,100 insured U.S. financial institutions, a rollout the company says dramatically exceeds the coverage of a standard account.

Key platform features include:
- Real-time transfers completed in milliseconds with finality
- Immediate availability of USD
- Custody accounts provided via a connected U.S. trust company
- Continuous operation around the clock

StoneCastle Cash Management as the foundation

INDX rests on the 2025 acquisition of StoneCastle Cash Management, a specialist in insured deposit solutions, completed in December 2025. ?INDX carries out the strategic vision behind integrating StoneCastle,? said Takis Georgakopoulos, Co-President of Fiserv. The platform fuses banking and commerce with proven deposit capabilities.

The arrangement keeps cash outside the blockchain by design while delivering the real-time settlement that institutional traders require. Fiserv emphasizes that funds are not moved outside the traditional banking system, nor are they transacted on-chain.

Market reaction and outlook

Should investors sell immediately? Or is it worth buying Fiserv?

Shares of Fiserv closed at $59.36 on February 13. The stock has faced pressure since the company released its quarterly results on February 10, where it beat earnings expectations but fell short of revenue guidance.

For fiscal year 2026, Fiserv projects non-GAAP earnings per share in the range of $8.00 to $8.30. Management also sees organic revenue growth of 1% to 3%.

Strategic digital push

The INDX debut fits into a broader transformation agenda. Recently, Fiserv formed partnerships with ServiceNow to accelerate AI-driven modernization in financial services, and with Affirm to offer flexible debit-card payment options.

Financial footprint and public programs

In fiscal 2025, Fiserv generated more than $21 billion in revenue as it broadens its presence in the digital-asset arena. The company is also participating in North Dakota?s initiative to explore a state-backed stablecoin.

This strategic move underscores Fiserv?s aim to blend traditional financial infrastructure with the evolving digital-asset landscape, leveraging insured deposits and real-time settlement capabilities to support institutional trading and crypto businesses.

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