Multi-Currency Business Accounts

Merge's Multi-Currency Accounts product gives businesses a single platform to open operational accounts across 60+ currencies — eliminating the need to establish multiple overseas banking relationships or navigate fragmented treasury infrastructure.

Product Overview

Built for digital marketplaces, fintechs, investment platforms, and corporate treasury teams, Merge's multi-currency accounts combine the accessibility of traditional business banking with the speed and programmability of stablecoin-native infrastructure. Each account is API-accessible and integrates directly with Merge's broader payment platform including real-time payment rails, stablecoin on/off-ramp, and intelligent reconciliation.

Client funds are safeguarded and ring-fenced at tier-1 institutions including the Bank of England and JP Morgan, providing the security standards expected by regulated financial businesses.

Key Features

• 60+ currency support: Receive, hold, and exchange money in over 60 currencies from a single platform
• Flexible sub-accounts: Create multiple sub-accounts per currency to match operational workflows and segregation requirements
• Virtual IBANs: Unique IBAN assigned per customer per currency for seamless identification, routing, and reconciliation
• Transparent pricing: Full cost visibility before executing transfers, with competitive low-cost fee structures and no hidden charges
• SWIFT and SEPA connectivity: Full access to international banking networks for cross-border collection and disbursement
• Global collection and disbursement: Accept payments from international customers and disburse funds across markets in real time
• Safeguarded funds: Client money held at tier-1 banks with ring-fencing and regulatory compliance built in
• Stablecoin integration: Natively connected to Merge's stablecoin on/off-ramp for businesses wanting to bridge fiat and digital asset treasury operations

Why Choose Merge

Merge is a regulated payments and treasury infrastructure platform founded in 2020 and backed by Coinbase Ventures, Octopus Ventures, and Hashed. The team includes executives from PayPal, Coinbase, Visa, Google, and Alipay — bringing institutional-grade compliance and infrastructure expertise to a developer-first API platform. For Web3-native businesses seeking crypto-friendly banking that also meets traditional regulatory standards, Merge provides a uniquely capable solution.