Meld

Meld is a global digital asset network founded in 2021 and headquartered in San Francisco, California. The company operates as the world's largest aggregated network of stablecoin and digital asset onramp and offramp providers, enabling businesses to integrate crypto buying, selling, and transfer capabilities into their applications with a single API. Trusted by leading enterprises including MetaMask, Robinhood, Uniswap, Algorand, Avalanche, Phantom, and QuickSwap, Meld has built a platform that reaches over 3 billion people across 184 countries through 54 local payment methods and more than 50 network partners. The company raised $7M in a fundraise announced in January 2026 (as covered by Fortune), and its core team comes from Square, PayPal, and Tesla.

Core Products/Services

Meld offers three primary API-driven products under its Stablecoins & Digital Assets umbrella, plus a Bank Linking product:

White-Label API - A fully customisable API integration that enables wallet apps, DeFi platforms, and fintech companies to build their own user interface on top of Meld's onramp and offramp infrastructure. Customers such as Phantom Wallet, Uniswap Wallet, and MetaMask use this flow. The White-Label API includes Meld's proprietary RampScore intelligence, which automatically routes users to the best-performing onramp partner based on price, payment method breadth, and transaction conversion rates.

Meld Checkout - A hosted checkout widget that businesses can embed or redirect to within their apps with minimal setup, allowing their users to buy and sell digital assets through Meld's managed UI. Setup is completed in minutes with a unique Meld URL, making it ideal for companies that prefer a fast go-to-market without building custom UI.

Virtual Account and Payouts - A white-label API flow for businesses that require onramps to create virtual bank accounts per user, enabling large-scale buying and selling of digital assets—particularly stablecoins—globally. This product is suited for use cases such as remittances, global payroll, and B2B payments.

Bank Linking API - A separate product suite that allows businesses to connect their customers' bank accounts and retrieve financial data including transaction history, balances, identifiers, and investment holdings. Meld normalises data across multiple bank linking providers (Plaid, Finicity, MX, Salt Edge) into a unified API, removing the need for businesses to integrate with each provider individually.

Key Strengths

Meld's primary differentiator is its Onramp Intelligence / RampScore system, which scores each network partner across millions of monthly transactions based on price, conversion rate, payment method coverage, and settlement reliability. This ensures that end users receive the best available rate and highest likelihood of successful transaction completion at any given moment—without the integrating business having to manage partner relationships themselves.

Additional strengths include:

• Multi-chain and multi-token support across all major blockchain networks and hundreds of digital assets including stablecoins, Bitcoin, Ethereum, and Solana
• 184-country coverage with 54 local payment methods (PayPal, Venmo, Cash App, Visa, Mastercard, SEPA, PIX, LINE Pay, Kakao Pay, iDEAL, and many more)
• SOC 2 compliance and independent penetration testing, with no storage of individual identity documents or payment method information
• KYC orchestration (in early access) providing unified authentication across the Meld Network
• Identity and bank linking orchestration abstracting complexity across multiple third-party providers
• A sandbox environment and public Postman workspace for rapid developer onboarding

Notable Clients/Projects

Meld's network integrations page lists 20+ onramp and bank linking partners including Banxa, Binance Connect, Blockchain.com, BTC Direct, Coinbase, Finicity, Fonbnk, Koywe, MX, Onramp Money, Paybis, PayPal, Plaid, Robinhood Connect, Salt Edge, Stripe, Topper, Transak, TransFi, Unlimit, and YellowCard. Enterprise clients integrating Meld include MetaMask, Robinhood, Uniswap, Algorand, Avalanche, Phantom, Boldin, Probit, and QuickSwap.

Why Choose Meld

For wallet developers, DeFi protocols, fintech companies, merchants, and remittance platforms, Meld eliminates the complexity of integrating and maintaining relationships with dozens of individual onramp providers. A single API integration unlocks access to the global Meld Network, automatically routing each transaction to the partner with the best price and conversion rate. The platform is enterprise-ready with SOC 2 compliance, independently pen-tested security, and webhook-based event notifications for all transaction states.