Payment Technology Leader Fiserv Unveils Around-the-Clock USD Settlement Infrastructure for Digital Asset Sector
Major fintech provider Fiserv introduces an always-on settlement system designed for cryptocurrency firms, seeking to eliminate banking bottlenecks and enhance US dollar liquidity access.
A prominent United States financial technology and payments provider, Fiserv, has introduced a new cash settlement infrastructure designed specifically for companies operating in the digital asset space, representing a development that may bolster fiat currency systems for cryptocurrency participants and enhance their access to capital liquidity.
Fiserv revealed on Thursday the introduction of INDX, an instantaneous cash settlement infrastructure functioning continuously around the clock every single day of the year. This platform enables businesses working with digital assets to transfer United States dollars in real-time through a unified custodial account, which could enhance the way cryptocurrency exchanges, trading platforms and other blockchain-focused enterprises handle their fiat currency reserves.
More than 1,100 insured banking institutions that participate in the Fiserv Deposit Network will have access to INDX. The account framework delivers up to $25 million in protection from the Federal Deposit Insurance Corporation (FDIC), as stated by the company.
The platform's introduction holds significance given that numerous companies in the digital asset industry continue to depend on conventional banking infrastructure that functions exclusively during standard business hours or resort to blockchain-based token transfers for moving dollar-denominated value. Through facilitating continuous United States dollar settlement inside the traditional banking infrastructure, INDX delivers capabilities comparable to blockchain-based settlement mechanisms while staying within the offchain environment.
Among the world's largest financial services technology and payments solution providers is Fiserv, which delivers core banking systems, merchant acquiring services and transaction processing capabilities. The firm produced revenue exceeding $21 billion during fiscal 2025.
Fiserv has additionally broadened its presence within the digital asset ecosystem. Cointelegraph previously reported in October that the organization is participating in the state-backed stablecoin program in North Dakota, where it delivers payments infrastructure and settlement technology to facilitate the initiative's deployment.
TradFi and digital assets continue to converge
The introduction of INDX represents another instance of a well-established financial services company developing infrastructure tailored to the digital asset industry. For clients operating at the institutional level, the platform delivers a more conventional banking structure while introducing accelerated, continuously available cash management functionalities.
The infrastructure might also place Fiserv in an advantageous position relative to traditional banking partners that continue to utilize batch-based processing methodologies for United States dollar transactions. For providers of cryptocurrency infrastructure, encompassing exchanges, trading platforms, stablecoin creators and custodial services, dependable, instantaneous dollar liquidity can deliver a substantial operational edge.
The company headquartered in Milwaukee, Wisconsin finalized the purchase of Stone Castle Cash Management in December, a firm that delivers liquidity solutions to banks, in a transaction broadly interpreted as strengthening its FIUSD stablecoin, which debuted in June 2025
In addition to settlement velocity, stablecoins are progressively being recognized by conventional financial institutions as liquidity infrastructure tools. Continuously available digital dollars have the capacity to support collateral transfers, treasury management functions and international payment flows with reduced intermediaries and diminished settlement obstacles.
Although INDX is distinctive for merging conventional bank settlement mechanisms with uninterrupted dollar accessibility specifically designed for digital-asset enterprises, additional companies have similarly emphasized real-time settlement capabilities.
As an illustration, Sygnum maintains a continuous multi-asset infrastructure that facilitates immediate settlement spanning fiat currencies, stablecoins and additional digital assets for institutional customers.
In a comparable manner, Fireblocks provides real-time settlement infrastructure for stablecoin transactions and digital asset movements, assisting institutions in optimizing liquidity management processes.