Fiserv Unveils INDX: A Round-the-Clock USD Settlement Platform for Digital Assets

Fiserv is broadening its footprint by entering the digital-asset space with a real-time settlement rails offering for crypto and digital-asset firms. The Milwaukee-based fintech introduced INDX yesterday, a platform designed to process USD transactions 24/7, with settlement secured through conventional banking channels.

INDX gives digital-asset companies a safe way to hold and move US dollars around the clock. Unlike pure on-chain solutions or crypto-native banks, the platform routes funds through the Fiserv Deposit Network, which spans more than 1,100 insured US financial institutions.

Key features include:
- A single custody account for clients, eligible for up to $25 million in FDIC insurance.
- Off-chain funds storage, while the speed and flexibility of digital settlements are preserved.
- Around-the-clock USD processing and transfers, backed by the traditional banking system.

For regional banks and credit unions participating in the network, INDX opens a stable funding stream. Co-President Takis Georgakopoulos described the launch as a strategic maneuver that ties Fiserv’s traditional banking strengths to the emerging digital-asset economy.

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

Timing in the Context of Quarterly Results

The rollout comes just two days after Fiserv released its quarterly results. On February 10, the company reported Q4 results and acknowledged headwinds in the Financial Solutions and Banking segments, noting particular challenges among smaller credit unions.

In parallel, Fiserv continues modernizing its banking services with real-time, cloud-based API solutions. For the full year 2026, the company issued guidance for adjusted earnings per share and for organic revenue growth.

INDX is designed to tap a new growth area by leveraging the existing banking network to attract digital-asset clients. Whether this platform can offset weaknesses in the core business will become clearer over the coming quarters.