# Merge

> Fintech infrastructure for the future of global money movement

Merge is a fintech infrastructure company that provides API-based stablecoin and fiat payment services. It helps Web3 and enterprise businesses move money globally by combining banking rails with stablecoin settlement.

Merge is a fintech infrastructure company that provides application programming interfaces for cross-border payments, combining stablecoin settlement with traditional banking rails. It gives businesses a single integration point to open multi-currency accounts, send and receive international payments, and convert between fiat currencies and stablecoins. The platform is built for enterprises, fintechs, and payment service providers that need to move money across borders without relying solely on correspondent banking.

The company addresses delays and costs typical of legacy international payment routes by settling transactions over stablecoin rails while maintaining compliance with banking and payment regulations. It operates as a licensed and regulated payment institution, allowing it to hold client funds and issue accounts directly rather than only routing through partner banks. Its infrastructure supports named accounts, automated reconciliation, and embedded payment flows that businesses can build directly into their own products.

Merge's offering spans stablecoin payment infrastructure, multi-currency accounts, and an on and off ramp for converting between fiat and stablecoins, along with embedded payments and reconciliation tools. These products are grouped around treasury management, payroll, payouts, and revenue repatriation use cases. Merge is used by global businesses, fintech platforms, and enterprises that manage cross-border liquidity, payroll, and payouts across multiple markets.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2020-01-01
- Profile: https://thegrid.id/profiles/merge

## Products

- [Merge API Platform](https://thegrid.id/profiles/merge): Merge API Platform is a payments infrastructure product that gives businesses banking and payment capabilities through a single API integration. It provides multi-currency accounts across dozens of currencies, including named accounts in major fiat currencies, alongside stablecoin on-ramp and off-ramp conversion, cross-border payment routing over local rails and blockchain networks, and automated payment reconciliation. Businesses and platforms use it to collect, hold, and move funds internationally, embed payment flows into their own products, and settle transactions using stablecoins as an intermediary rail while managing compliance requirements such as identity verification and screening. (Payments Infrastructure & Orchestration, Live, Main Product)

## Links

- [Main](https://www.merge.money)
- [Documentation](https://www.merge.money/resources/developers)
- [Blog](https://www.merge.money/resources/blog)
- [Privacy policy](https://cdn.prod.website-files.com/64b69cf3ad558e5a92ff25ed/652672f7c0f9ad265420cf9e_Privacy policy _ Merge (20230712).pdf)
- [LinkedIn](https://www.linkedin.com/company/mergemoney)

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