SOLUTION SET

Fintech Ledger

Leverage an open, real-time system of record to embed financial services within your fintech experience

PLATFORM FOR COLLABORATION

A proven back-office engine to power consumer-facing front ends


Our fintech ledger enables you to integrate with ease and quickly launch a full range of banking capabilities.

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    APIs deliver banking functions and transaction data 24x7, enabling always-on, immediate experiences. 

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    Start small and add capabilities gradually as you build out your offerings.

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    Leverage features that can assist your organization in meeting applicable compliance requirements.

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    Onboard and offload data easily, simplify conversion. 

Partnering with a sponsor bank is a typical first step, but as fintechs expand their offerings, many find they need a system of record – a fintech ledger – of their own. Fiserv offers deep expertise and proven options in this area. 

 

1 in 3

U.S. financial institutions use a Fiserv system of record

 

80 million

U.S. digital banking users

More than

35 years

industry experience

More than

160 million

deposit accounts in the U.S.

Solutions in use

How a fintech ledger can spur innovation

Launch a digital brand

Use our innovation platform to launch new products or a digital brand

Expand your addressable market and accept deposits through lower-cost digital channels.

Next-Gen System of Record

Scale rapidly and innovate continuously with an API-first, cloud-native, next-gen system of record.

Quick-Launch Ledger

Leverage pre-integrated capabilities for a modular, quick-launch option that delivers a full range of banking functions. 

Sponsor Bank Network

Benefit from our relationships with dozens of sponsor institutions and get connected to FDIC-insured partners.

Deliver banking as a service

Generate new revenue streams and unlock multiple funding sources

Support all aspects of the financial journey – debit, credit, deposits, installment loans, mortgages – on a single platform your banking-as-a-service strategy won't outgrow.

Sponsor Bank Network

Benefit from our relationships with dozens of sponsor institutions and get connected to FDIC-insured partners.

Next-Gen System of Record

Scale rapidly and innovate continuously with an API-first, cloud-native, next-gen system of record.

Quick-Launch Ledger

Leverage pre-integrated capabilities for a modular, quick-launch option that delivers a full range of banking functions. 

Support payments innovation

Make money movement more convenient

Use our multi-position, asset-agnostic fintech ledger to manage back-end recordkeeping at scale for apps that empower consumers to pay how and when they want. 

Next-Gen System of Record

Scale rapidly and innovate continuously with an API-first, cloud-native, next-gen system of record.

Payments

Facilitate real-time funds in and funds out through wallet-as-a-service, launch a custom credit card program, and enable banking services, including bill pay, mobile deposits and more. 

Crypto

Offer cryptocurrency and cryptoassets data aggregation, including the ability to buy, sell, hold and manage bitcoin. 

Discover insights on our fintech ledger

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A comprehensive retail financial solution for the underserved

Percapita uses a fintech ledger from Fiserv as part of its technology to create a scalable fintech model.
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Creating an open ecosystem for banking transformation

Finxact and Fiserv are working to help financial institutions and fintechs thrive in the modern era of open finance.
Blog
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Understanding programmable payments

See how programmable payments can make it easy to select the best payment option and automatically route payments to that funding source.

Ready to get started?

Contact us to find out more