# 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 company that provides a unified application programming interface connecting businesses to a network of crypto on ramp and off ramp providers, payment processors, and open banking services. It is designed for developers and product teams at wallets, exchanges, and fintech applications that want to offer fiat to crypto conversion, stablecoin payments, and bank account linking without integrating each provider individually.

The platform addresses the fragmentation of onboarding infrastructure in digital asset applications, where supporting multiple regions, payment methods, and liquidity providers otherwise requires separate integrations. Meld scores and routes transactions across its network of partners based on price, payment method coverage, and conversion performance, aiming to reduce failed transactions and improve settlement outcomes. It also provides identity verification and bank linking orchestration to unify authentication across connected providers.

Its offering spans a white label onboarding API, a checkout style product, virtual accounts and payouts, and bank linking services, supporting operations across multiple countries and local payment methods. Meld is used by crypto projects, fintech companies, and merchants seeking global reach for onboarding, cross border payments, remittances, and payroll through stablecoins and other digital assets.

- 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 their own transaction UI while Meld routes each transaction to the optimal partner based on price, coverage, and conversion rates. The API supports webhook events, transaction status tracking, and multiple downstream applications from a single integration. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Meld Checkout](https://thegrid.id/profiles/meld): Meld Checkout is a hosted on/off ramp widget offering a customizable checkout URL for embedding or redirecting from applications. Users buy and sell crypto through the widget without requiring direct API integration on the client side. The checkout delegates KYC verification and payment processing to partner onramp providers, requiring only a public widget key to enable. (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 generates virtual bank accounts for purchasing digital assets and stablecoins via bank transfers. Users complete identity verification and fund their virtual account to buy crypto, or receive payouts as providers transfer funds directly to recipient bank accounts. The service is accessible only through a white-label integration. (On/Off Ramp, Live)
- [Meld Bank Linking](https://thegrid.id/profiles/meld): Meld Bank Linking is a financial services API that lets applications connect users to their banks and retrieve banking information. Developers create connections between end users and their financial institutions, then retrieve and manage account data through a unified API rather than integrating each bank individually. It is used by fintech and payments applications needing to verify accounts or pull banking data for onboarding and payment workflows. (Financial Services Platform, 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)

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
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- [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.
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- [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
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