# Meru > Your global dollar account Meru is a payments company serving freelancers and remote workers in Latin America. It offers self-custodial USD wallets, ACH and SEPA transfers, and Visa payment cards. Meru is a payments company that provides dollar-denominated financial accounts for freelancers and remote workers in Latin America. It gives users a personal account that can receive ACH and SEPA transfers, along with payments from freelance and payroll platforms. The service targets people whose income arrives from clients or employers abroad but who face limited access to stable local currency accounts. The platform is built on blockchain infrastructure, holding user balances as dollar-pegged tokens rather than through a traditional bank ledger. Deposits can be funded through bank transfers, regional instant payment rails, or cryptocurrencies, and balances can generate yield through decentralized finance protocols. Users can withdraw to linked bank accounts, transfer to other users, or spend directly. Core offerings include a dollar account, an international Visa card for online and in-person purchases, and yield-generating deposits, supplemented by cash withdrawal options through partner networks and a growing set of merchant discounts. It is used by individual freelancers and small businesses across Latin America seeking to hold and move dollar earnings without relying on local banking systems. - Type: Company - Sector: Payments - Status: Active - Founded: 2022-07-01 - Profile: https://thegrid.id/profiles/meru ## Products - [Meru Wallet](https://thegrid.id/profiles/meru): Meru Wallet is a neobank for Latin American freelancers and remote workers that provides US bank accounts with ACH and Wire routing, European IBANs with SEPA, and self-custodial crypto storage across multiple tokens. Users receive payments from freelance and payment platforms, deposit through local rails or crypto, and earn yield on stablecoin balances through DeFi. The app also enables cash withdrawals through a global remittance network and spending via an integrated Visa card. (Neobank, Live, Main Product) - [Meru Card](https://thegrid.id/profiles/meru): Meru Card is a Visa payment card that lets users spend from their Meru wallet balances at merchants worldwide. The card converts stablecoin or fiat balances to local currency at the point of sale and is available in both physical and virtual formats. It supports mobile wallet integration and can be reloaded using stablecoins or local payment methods across multiple countries. (Card, Live) - [Meru Business](https://thegrid.id/profiles/meru): Meru Business is a corporate global banking platform for companies operating across Latin America that provides USD and EUR accounts, virtual bank accounts in the United States and Europe, and team Visa cards with spend controls. Businesses use it to run global payroll for remote teams, send and receive international payments in multiple currencies, and manage treasury operations. The platform provides real-time financial insights through a dedicated business portal accessible separately from the consumer app. (Neobank, Live) - [Meru API](https://thegrid.id/profiles/meru): Meru API is a stablecoin infrastructure platform that lets developers and fintechs embed virtual US bank accounts, European IBANs, stablecoin on-ramp and off-ramp, global payouts, KYC and KYB checks, and digital wallets into their own products through a single API. Businesses integrate the API to build remittance, payroll, and financial products while Meru manages regulatory compliance across jurisdictions. The platform processes fiat and stablecoin payins and payouts across multiple blockchains and local payment rails. (Financial Services Platform, Live) - [Meru Payroll](https://thegrid.id/profiles/meru): Meru Payroll is a global payroll platform that lets businesses pay remote teams across Latin America in US dollars. Employers process payments through a dedicated portal, and employees choose how to use the funds they receive. The service is accessed separately from the consumer app and business banking portal through its own login. (Payroll, Live) ## Links - [Main](https://getmeru.com) - [Blog](https://getmeru.com/blog) - [Terms of Service](https://getmeru.com/terms-and-conditions) - [Privacy policy](https://getmeru.com/privacy-policy) - [Twitter / X](https://x.com/somosmeru) - [Instagram](https://www.instagram.com/meru.app) - [Facebook](https://www.facebook.com/getmeruapp) - [TikTok](https://www.tiktok.com/@meruapp) - [LinkedIn](https://www.linkedin.com/company/meru-r3mit-solutions-inc) ## 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. 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