Fiserv introduces INDX, a real-time cash settlement platform that aims to change how digital asset companies move and manage money. The company revealed the platform on February 12, 2026, and highlighted how it supports the need for faster and safer cash transfers in a growing financial sector. The real-time cash settlement setup provides a simple way to store and transfer US dollars, reflecting broader trends in digital payments, without delays. It also offers a secure path for companies that deal with digital assets while they continue to depend on trusted banking systems.
Fiserv designed INDX to give digital asset companies a single custodial account with access to up to $25 million in FDIC insurance. This approach helps reduce risk and strengthens confidence. Moreover, the real-time cash settlement system helps users move funds anytime. It operates around the clock and supports instant transfers that stay final once completed. This continuous access responds to industry demand for speed, reliability, and safety.
The platform keeps funds off-chain while still enabling rapid movement. This method allows companies to avoid unnecessary exposure to blockchain delays or risks. Additionally, INDX uses the Fiserv Deposit Network, which includes more than 1,100 insured financial institutions across the United States. As a result, digital asset companies can depend on a stable and diverse base of partners with stronger safeguards. Furthermore, the real-time cash settlement approach supports consistent performance without adding extra complexity.
Community banks and credit unions benefit from the platform as well. INDX brings these institutions new deposit sources that are stable and cost-effective. They gain access to funds that come from different customers and regions, which helps strengthen long-term balance sheets. Also, this model aligns with the broader goal of spreading deposits more evenly. Consequently, the entire network becomes more resilient and prepared for shifts in demand.
Fiserv leaders shared how INDX supports the company’s long-term strategy. They emphasized that INDX builds on the strengths gained from the StoneCastle acquisition in December 2025. With this move, Fiserv combines its position in banking and commerce with proven deposit funding solutions. Leaders explained that digital asset companies now have a settlement engine designed for real fiat currency, not only digital tokens. Therefore, this real-time cash settlement structure gives them safer and more flexible tools that match institutional expectations.
Institutional traders can use INDX for faster transactions, safer storage, and better programming flexibility. They can open accounts through an affiliated US-based trust company. They can also use real-time APIs to set rules and controls that protect their operations. Transfers complete within milliseconds, which gives them quick access to funds for trading or settlement. At the same time, balances in the custodial account qualify for FDIC coverage that far exceeds traditional limits. This offers a more durable model that helps reduce financial stress.
Fiserv also made clear that INDX Processing, LLC is not an FDIC or NCUA insured institution. Instead, it acts as an agent through its trust company affiliate. Pass-through insurance still requires all conditions to be met. Interested companies can review full details and disclosures on the INDX website. This transparent approach helps users understand how the system works while keeping expectations realistic. Besides, it ensures companies stay informed about coverage, conditions, and responsibilities.
Fiserv continues to expand its role in the financial technology industry through services like account processing, digital banking, merchant acquiring, and payment solutions. INDX strengthens this portfolio by giving digital asset companies a faster and more secure way to manage real dollars. The real-time cash settlement advancement supports Fiserv’s commitment to innovation, especially as more institutions look for dependable digital financial solutions. This launch shows how traditional finance and digital asset operations can move forward together in a practical and safe way.
