{ "jurisdiction_id": "US-IN", "jurisdiction": "United States – Indiana", "url": "https://payments.gi/jurisdictions/united-states-indiana/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 60, "source_register": 148 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w1a-licensing-authorisation-market-access", "standing_position": "Indiana money transmission is governed by the MTMA (IC 28-8-4.1), effective 2024-01-01, administered by DFI Division of Consumer Credit; pure virtual-currency transmission is excluded from the state licensing perimeter.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://law.justia.com/codes/indiana/2010/title28/ar8/ch4.html", "source_url": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_url": "https://www.in.gov/dfi/files/MTMA-Licensing-Guidance-Updated.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "regulatory guidance", "source": "https://www.in.gov/dfi/files/MTMA-Licensing-Guidance-Updated.pdf", "source_url": "https://www.bondexchange.com/indiana-money-transmitter-bond-a-comprehensive-guide/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "prudential requirement", "source": "https://www.bondexchange.com/indiana-money-transmitter-bond-a-comprehensive-guide/", "source_url": "https://www.bondexchange.com/indiana-money-transmitter-bond-a-comprehensive-guide/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "application form / statute", "source": "https://cdn.cocodoc.com/cocodoc-form-pdf/pdf/121832-48009-MONEY-TRANSMITTER-LICENSE-APPLICATION-State--Indiana--in.pdf", "source_url": "https://www.bondexchange.com/indiana-money-transmitter-bond-a-comprehensive-guide/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://www.alstonconsumerfinance.com/new-indiana-money-transmission-license-requirements-impact-business-purpose-activities/", "source_url": "https://www.bondexchange.com/indiana-money-transmitter-bond-a-comprehensive-guide/", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "regulator portal", "source": "https://www.in.gov/dfi/licensing-and-applications/consumer-credit-licensing/", "source_url": "https://www.bondexchange.com/indiana-money-transmitter-bond-a-comprehensive-guide/", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Conduct/safeguarding obligations sit in the MTMA plus the new Indiana Earned Wage Access Act (EWAA), effective 2026-01-01.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_url": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://www.thewbkfirm.com/industry/indiana-enacts-earned-wage-access-law", "source_url": "https://www.billtrack50.com/billdetail/1766852", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://www.billtrack50.com/billdetail/1766852", "source_url": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "conduct rule", "source": "https://vensure.com/employment-law-updates/indiana-enacts-earned-wage-access-act/", "source_url": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_url": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "conduct rule", "source": "https://www.goodwinlaw.com/en/insights/publications/2025/05/alerts-practices-fs-indiana-enacts-law-regulating-earned-wage", "source_url": "https://www.in.gov/dfi/files/SEA-458-Guidance.pdf", "source_tier": "2", "retrieved_at": "2026-07-05" } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w2-stablecoins-digital-money", "standing_position": "Indiana has no standalone stablecoin-issuer regime; governed by the federal GENIUS Act; no state certification filing identified.", "findings": [ { "finding": null, "instrument_type": "regulatory guidance", "source": "https://www.in.gov/dfi/files/MTMA-Licensing-Guidance-Updated.pdf", "source_url": "https://www.in.gov/dfi/files/MTMA-Licensing-Guidance-Updated.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal statute/rule", "source": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "source_url": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal proposed rule", "source": "https://www.consumerfinancialservicelawmonitor.com/2026/04/treasury-proposes-genius-act-principles-for-acceptable-state-stablecoin-regimes/", "source_url": "https://www.consumerfinancialservicelawmonitor.com/2026/04/treasury-proposes-genius-act-principles-for-acceptable-state-stablecoin-regimes/", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "legal analysis", "source": "https://www.mayerbrown.com/en/insights/events/2025/11/understanding-when-and-how-the-genius-act-preempts-state-law", "source_url": "https://www.consumerfinancialservicelawmonitor.com/2026/04/treasury-proposes-genius-act-principles-for-acceptable-state-stablecoin-regimes/", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w3-operational-resilience-critical-infrastructure", "standing_position": "DFI supervises IT/operational risk via FFIEC-aligned advisory letters, transitioning to NIST CSF 2.0.", "findings": [ { "finding": null, "instrument_type": "supervisory guidance", "source": "https://www.in.gov/dfi/general-information/policies-and-guidance/", "source_url": "https://www.in.gov/dfi/general-information/policies-and-guidance/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "supervisory guidance", "source": "https://www.myabt.com/blog/ffiec-it-examination-readiness-financial-institutions", "source_url": "https://www.myabt.com/blog/ffiec-it-examination-readiness-financial-institutions", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "supervisory handbook", "source": "https://ithandbook.ffiec.gov/", "source_url": "https://www.myabt.com/blog/ffiec-it-examination-readiness-financial-institutions", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "state guidance", "source": "https://www.in.gov/cybersecurity/", "source_url": "https://www.myabt.com/blog/ffiec-it-examination-readiness-financial-institutions", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "institutional context", "source": "https://en.wikipedia.org/wiki/Federal_Financial_Institutions_Examination_Council", "source_url": "https://www.myabt.com/blog/ffiec-it-examination-readiness-financial-institutions", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w4-scheme-network-compliance", "standing_position": "No Indiana-specific surcharge cap; permissive credit-card surcharging bounded by card-network limits and federal Durbin debit-surcharge ban.", "findings": [ { "finding": null, "instrument_type": "market practice", "source": "https://ebizcharge.com/blog/credit-card-surcharging-a-state-by-state-legal-analysis/", "source_url": "https://ebizcharge.com/blog/credit-card-surcharging-a-state-by-state-legal-analysis/", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal statute", "source": "https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1693o-2+edition%3Aprelim%29", "source_url": "https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1693o-2+edition%3Aprelim%29", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market practice", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/indiana-surcharge-laws/", "source_url": "https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1693o-2+edition%3Aprelim%29", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://law.justia.com/codes/indiana/title-7-1/article-3/chapter-1/section-7-1-3-1-13-5/", "source_url": "https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1693o-2+edition%3Aprelim%29", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w5-payment-corridor-dynamics", "standing_position": "Indiana's corridor position is dominated by domestic instant-payments rail build-out via correspondent channels rather than a distinct international corridor regime.", "findings": [ { "finding": null, "instrument_type": "market development", "source": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_url": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "national survey data", "source": "https://www.fdic.gov/household-survey", "source_url": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w6-industry-structure-commercial-dynamics", "standing_position": "Consolidating community-bank sector (First Merchants) combined with a growing Indianapolis fintech/payments startup cluster.", "findings": [ { "finding": null, "instrument_type": "market structure", "source": "https://ir.firstmerchants.com/news-releases/news-release-details/first-merchants-corporation-completes-legal-closing-first", "source_url": "https://ir.firstmerchants.com/news-releases/news-release-details/first-merchants-corporation-completes-legal-closing-first", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market structure", "source": "https://www.privsource.com/acquisitions/payments-fintech/state/indiana", "source_url": "https://ir.firstmerchants.com/news-releases/news-release-details/first-merchants-corporation-completes-legal-closing-first", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market structure", "source": "https://angelmatch.io/publication/top-startup-investors-in-indiana-who-fund-fintech-startups", "source_url": "https://ir.firstmerchants.com/news-releases/news-release-details/first-merchants-corporation-completes-legal-closing-first", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market structure", "source": "https://www.federalreserve.gov/newsevents/speech/bowman20250227a.htm", "source_url": "https://ir.firstmerchants.com/news-releases/news-release-details/first-merchants-corporation-completes-legal-closing-first", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "High", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w7-legal-litigation", "standing_position": "Indiana has no state-specific stablecoin statute; Indiana-domiciled entities fall under the federal GENIUS Act framework, which entered active multi-agency rulemaking in 2026 (OCC, FDIC, Treasury FinCEN/OFAC).", "findings": [ { "finding": null, "instrument_type": "enforcement action", "source": "https://www.21alivenews.com/2025/12/22/indiana-attorney-general-shares-how-access-funds-10m-google-settlement/", "source_url": "https://www.21alivenews.com/2025/12/22/indiana-attorney-general-shares-how-access-funds-10m-google-settlement/", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement action", "source": "https://www.recordinglaw.com/us-laws/data-privacy-laws/indiana-data-privacy-laws/data-breach-notification/", "source_url": "https://www.21alivenews.com/2025/12/22/indiana-attorney-general-shares-how-access-funds-10m-google-settlement/", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement trend", "source": "https://www.goodwinlaw.com/en/insights/publications/2026/03/insights-finance-cfs-yir-fintech", "source_url": "https://www.21alivenews.com/2025/12/22/indiana-attorney-general-shares-how-access-funds-10m-google-settlement/", "source_tier": "2", "retrieved_at": "2026-07-05" } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w8-merchant-acquiring-risk", "standing_position": "Permissive surcharging framework layered on an ISO market consolidating into national acquirers.", "findings": [ { "finding": null, "instrument_type": "market practice", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/credit-card-surcharge-laws-by-state/", "source_url": "https://mergr.com/transaction/payroc-acquires-select-merchant-services", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market structure", "source": "https://mergr.com/transaction/payroc-acquires-select-merchant-services", "source_url": "https://mergr.com/transaction/payroc-acquires-select-merchant-services", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "federal statute", "source": "https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1693o-2+edition%3Aprelim%29", "source_url": "https://mergr.com/transaction/payroc-acquires-select-merchant-services", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w9-product-innovation-market-development", "standing_position": "Licensed EWA product category created effective 2026-01-01; instant-payments product access extended via fintech partnerships.", "findings": [ { "finding": null, "instrument_type": "product regulation", "source": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_url": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "product development", "source": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_url": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "product development", "source": "https://www.privsource.com/acquisitions/payments-fintech/state/indiana", "source_url": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "product development", "source": "https://www.ibj.com/articles/indianapolis-fintech-startup-habits-lands-1-1m-investment", "source_url": "https://www.in.gov/dfi/files/EWALicensingGuidance.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w10-consumer-protection-app-fraud", "standing_position": "Security-breach statute since 2006 plus new comprehensive ICDPA effective 2026-01-01 and EWA-specific safeguards; no APP fraud reimbursement regime.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://www.in.gov/attorneygeneral/consumer-protection-division/id-theft-prevention/security-breaches/security-breach-faqs-and-notification-form-for-businesses/", "source_url": "https://iga.in.gov/ic/2024/Title_24/Article_15.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "statute", "source": "https://multilaw.com/Multilaw/Multilaw/Data_Protection_Laws_Guide/DataProtection_Guide_USA_Indiana.aspx", "source_url": "https://www.in.gov/attorneygeneral/newsroom/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement mechanism", "source": "https://www.kriegdevault.com/insights/businesses-prepare-now-for-indianas-new-data-privacy-law-effective-january-1-2026", "source_url": "https://www.in.gov/attorneygeneral/newsroom/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "regulator guidance", "source": "https://www.insideprivacy.com/state-privacy/indiana-attorney-general-releases-data-consumer-bill-of-rights/", "source_url": "https://www.in.gov/attorneygeneral/newsroom/", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "conduct/consumer protection rule", "source": "https://vensure.com/employment-law-updates/indiana-enacts-earned-wage-access-act/", "source_url": "https://www.in.gov/attorneygeneral/newsroom/", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w11-aml-cft-financial-crime", "standing_position": "W11 content intended to be Sentinel.gi-fed; direct feed not accessible this cycle, only supervisory backdrop captured.", "findings": [ { "finding": null, "instrument_type": "federal AML framework", "source": "https://indianagovinfo.org/2025/10/02/financial-crimes-enforcement-network/", "source_url": "https://indianagovinfo.org/2025/10/02/financial-crimes-enforcement-network/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": "Indiana operates under the federal Bank Secrecy Act/AML framework administered by FinCEN and OFAC, supplemented by state money-transmitter licensing under the Indiana Uniform Money Services Act (Indiana Department of Financial Institutions). Since March 2025, domestically-formed Indiana entities are exempt from federal beneficial ownership reporting, and no Indiana-specific virtual-currency-kiosk consumer-protection statute has been confirmed, leaving state-level AML/CFT capacity thin relative to federal architecture.", "instrument_type": "assessment", "source": "FIM (sentinel.gi) per-JID baseline profile — United States — Indiana", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: sourcing-thinness", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Sanctions: OFAC listing", "instrument_type": "sanctions_change", "source": "FIM (sentinel.gi) sanctions_change_register (issue FIM-BASE-SANC-003)", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Enforcement: OFAC — Zedcex Exchange, Ltd. and Zedxion Exchange, Ltd.", "instrument_type": "enforcement_action", "source": "FIM (sentinel.gi) enforcement_action_register (issue FIM-BASE-ENF-002)", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Gap: capacity-deficit", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: regulatory-failure", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-001)", "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w12-correspondent-banking-settlement-access", "standing_position": "Community-bank sector accesses wholesale settlement via FHLBank Indianapolis and correspondent banks' banks (ICBB) amid rural branch-consolidation trend.", "findings": [ { "finding": null, "instrument_type": "correspondent banking", "source": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_url": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "correspondent banking", "source": "https://www.cbinsights.com/company/independent-correspondent-bankers-bank", "source_url": "https://www.federalreserve.gov/publications/november-2019-bank-branch-access-in-rural-communities.htm", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "access/resilience research", "source": "https://www.federalreserve.gov/publications/november-2019-bank-branch-access-in-rural-communities.htm", "source_url": "https://www.federalreserve.gov/publications/november-2019-bank-branch-access-in-rural-communities.htm", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "regulatory approval process", "source": "https://www.sec.gov/Archives/edgar/data/0000712534/000119312525268801/d828300d424b3.htm", "source_url": "https://www.federalreserve.gov/publications/november-2019-bank-branch-access-in-rural-communities.htm", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-indiana/#w13-commercial-intelligence-fintech", "standing_position": "Trailing-12-month activity anchored by the First Merchants/First Savings merger and continued Allied Payment Network growth-capital investment.", "findings": [ { "finding": null, "instrument_type": "commercial_event: M&A", "source": "https://www.sec.gov/Archives/edgar/data/0000712534/000119312525216440/d83219dex991.htm", "source_url": "https://www.sec.gov/Archives/edgar/data/0000712534/000119312525216440/d83219dex991.htm", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event: investment", "source": "https://www.privsource.com/acquisitions/payments-fintech/state/indiana", "source_url": "https://www.privsource.com/acquisitions/payments-fintech/state/indiana", "source_tier": "3", "retrieved_at": "2026-07-05" } ] } ] }