# Merge

> Fintech infrastructure for the future of global money movement

Merge helps Web3 companies access banking and payment services by providing APIs that bridge fiat and cryptocurrency ecosystems.

Merge helps Web3 and crypto companies access traditional financial services by providing API-based banking and payment infrastructure. Users can create bank accounts, send global payments, and convert between fiat and stablecoins through a single integration. Merge addresses regulatory compliance challenges while enabling crypto businesses to operate with tier-1 banking partners.

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

## Products

- [Merge API Platform](https://thegrid.id/profiles/merge): Merge API Platform provides Web3 companies with banking and payment infrastructure through a single API integration. The system enables multi-currency account creation, stablecoin on/off ramp services, global real-time payments across nine blockchain networks, intelligent payment reconciliation, and sub-account management. The platform supports instant payments via local rails including SEPA, Faster Payments, PIX, and UPI while managing compliance requirements through automated KYB, KYT, and sanctions screening. (Payments Infrastructure & Orchestration, Live, Main Product)

## Links

- [Main](https://www.merge.money)
- [Documentation](https://www.merge.money/resources/developers)
- [LinkedIn](https://www.linkedin.com/company/mergemoney)

## 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
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- [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