Merge

Merge is a regulated payments and treasury infrastructure platform founded in 2020 and headquartered in London, UK. The company bridges stablecoins and traditional fiat payment rails through a single API, enabling global businesses to collect, hold, and move money across currencies with speed and compliance built in. Backed by Coinbase Ventures, Octopus Ventures, Hashed, and Ethereal Ventures, Merge serves marketplaces, fintechs, investment platforms, and corporate treasury teams seeking to leverage stablecoin infrastructure for cross-border commerce.

Core Products/Services

Merge's platform is composed of four interconnected infrastructure products delivered through a unified API:

• Stablecoin On/Off Ramp: Converts between fiat currencies and stablecoins, providing multi-currency stablecoin wallets with unique IBANs. Businesses can send and receive payments globally using stablecoins while settling in fiat without direct digital asset interaction. Supports treasury operations, vendor payments, and cross-border payroll.

• Multi-Currency Accounts: Operational business accounts supporting 60+ currencies with flexible sub-accounts. Eliminates the need for overseas banking relationships while offering transparent, low-cost currency exchange and real-time payment collection and disbursement globally.

• Global Real-Time Payments: API-based payment infrastructure leveraging local real-time payment rails to deliver lower costs, faster settlement, and zero chargebacks. Includes automated reconciliation via webhooks, unique IBAN generation per customer per currency, compliance management (KYC, KYB, regulatory reporting), and detailed audit reporting.

• Intelligent Reconciliation: AI-powered reconciliation engine using advanced algorithms to automatically match incoming and outgoing payments with corresponding orders or transactions. Features dedicated sub-accounts, real-time webhook-based data synchronisation, configurable auto-sweep rules, and comprehensive financial reporting covering payment trends, transaction volumes, and revenue streams.

Key Strengths

Merge combines regulated banking infrastructure with stablecoin-native architecture, enabling businesses to use digital assets as operational treasury tools rather than speculative instruments. The platform is API-first and designed for developer integration, offering Virtual IBANs, segregated client funds held at tier-1 banks (Bank of England, JP Morgan), automated FX conversion, and compliance tooling including KYB, KYT, PEP screening, and sanctions monitoring. The team includes executives from PayPal, Coinbase, Visa, Google, Amazon, and Alipay.

Notable Clients/Projects

Merge serves B2B segments including digital marketplaces, fintech companies, investment platforms, and corporate treasuries. The platform recently partnered with Tesseract to offer institutional-grade yield products. Its infrastructure is designed for regulated entities requiring compliant, scalable cross-border payment operations.

Why Choose Merge

Merge uniquely positions itself at the intersection of stablecoin infrastructure and regulated payment rails — a combination that enables businesses to move money globally at crypto speed with fiat-grade compliance. The single API integrates four key capabilities (on/off ramp, multi-currency accounts, real-time payments, intelligent reconciliation), eliminating the need for multiple banking relationships or complex treasury setups. The platform's safeguarded fund architecture and built-in compliance tooling make it suitable for regulated industries including financial services and investment management.