Stablecoin On/Off Ramp

Merge's Stablecoin On/Off Ramp is a payment infrastructure product enabling businesses to send and receive payments globally using stablecoins while settling in fiat currencies — without requiring in-house crypto custody or compliance capabilities.

Product Overview

Built on Merge's regulated payments platform, the Stablecoin On/Off Ramp abstracts direct digital asset interaction, giving businesses access to stablecoin speed and cost advantages through a single API. Each wallet comes with a unique IBAN, bridging stablecoin rails with traditional banking infrastructure seamlessly.

Key Features

• Fiat-to-stablecoin conversion: Instant conversion infrastructure for converting between fiat and stablecoins in either direction
• Multi-currency stablecoin wallets: Unique IBAN per wallet enables seamless integration with traditional banking systems
• Cross-border settlement: Instant settlement via blockchain rails, eliminating correspondent banking delays
• Treasury operations support: Covers vendor payments, cross-border payroll, and corporate treasury workflows
• Regional payment rail integrations: SEPA, SWIFT, and other international payment networks supported
• AI-powered reconciliation: Integrated with Merge's intelligent reconciliation engine for automated payment matching
• Built-in compliance: KYB, KYT, PEP screening, and sanctions monitoring included in the platform
• Safeguarded funds: Client funds ring-fenced at tier-1 banks including the Bank of England and JP Morgan

Use Cases

Corporate treasury teams optimising liquidity with stablecoins as strategic tools; marketplace platforms needing instant cross-border seller payouts; fintechs embedding stablecoin-powered payment rails into their products; and investment platforms requiring compliant, fast settlement infrastructure.