# Meld

> Easy Access to Digital Assets

Meld is a fintech infrastructure platform that aggregates crypto on/off ramps, payment processors, and bank linking providers through a single API.

Meld is a fintech infrastructure platform that connects developers to multiple crypto on/off ramps, payment processors, and open banking providers through a unified API. The platform enables businesses to offer fiat-to-crypto conversion, stablecoin payments, and bank account linking across multiple vendors without building separate integrations. Meld supports global operations with local payment methods and provides a dashboard for transaction analytics and configuration.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2021-01-01
- Profile: https://thegrid.id/profiles/meld

## Products

- [Meld White-Label API](https://thegrid.id/profiles/meld): Meld White-Label API is a payments infrastructure API that aggregates multiple crypto on/off ramp providers into a single developer interface. Developers build custom UIs on top of the API while Meld routes transactions to optimal providers based on price, coverage, and conversion rates. The API includes webhook events, transaction status tracking, and support for multiple downstream applications. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Meld Checkout](https://thegrid.id/profiles/meld): Meld Checkout is a hosted on/off ramp widget that provides a customizable checkout URL for embedding or redirecting from applications. Users can buy and sell crypto through the widget without requiring direct API integration. The checkout delegates KYC verification and payment processing to partner onramp providers. (On/Off Ramp, Live)
- [Meld Virtual Account and Payouts](https://thegrid.id/profiles/meld): Meld Virtual Account and Payouts is an on/off ramp service that creates virtual bank accounts for purchasing digital assets and stablecoins via bank transfers. Users complete KYC or KYB verification, then fund their virtual account to buy crypto. For payouts, providers transfer funds directly from their funding accounts to recipient bank accounts. (On/Off Ramp, Live)

## Links

- [Main](https://www.meld.io)
- [Documentation](https://docs.meld.io)
- [Blog](https://www.meld.io/blog)
- [Terms of Service](https://www.meld.io/policy/terms-of-service)
- [Privacy policy](https://www.meld.io/policy/privacy-policy)
- [Twitter / X](https://x.com/realMeld)
- [LinkedIn](https://linkedin.com/company/meld-universal)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP