For brokerages serving clients worldwide, receiving deposits in multiple currencies is fundamental. Merge acts as your payment layer, linking your platform to local banking rails and providing named accounts that mirror your brokerage account structure. Each deposit arrives in the correct account, ready for reconciliation.
When clients withdraw funds, speed and compliance matter. Merge executes API instructions to send money in local currency or supported stablecoins, while you retain control over accounts, approvals and regulatory obligations.
Highlights:
Many brokerages need to segregate client funds. Merge provisions named accounts, IBANs or virtual accounts that map deposits to clients, entities or strategies, supporting multi-currency operations and the regulatory separation required under frameworks such as FCA client money rules, MiFID, and VASP obligations, without implying custody.
Advantages of named accounts:
Some brokerages serve digital-asset clients moving between fiat and stablecoins. Merge supports those payment flows, deposits, withdrawals, and stablecoin settlement, without acting as a crypto brokerage, exchange, or custody provider.
| Category | Detail |
|---|---|
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What Merge supports
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Fiat-to-stablecoin and stablecoin-to-fiat payment flows
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What Merge does not do
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Does not act as a cryptocurrency broker or bitcoin broker. No trading, custody, or investment advice
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Who handles the rest
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Trading and custody remain with crypto brokerage firms
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Stablecoin settlement removes dependence on correspondent banking timelines, useful when it serves as the settlement medium between counterparties. Merge supports this where permitted, without touching securities clearing or custody.
Merge integrates into your back-office or client account system through an API, bringing payment data into one view for finance and compliance teams.
| Capability | Description |
|---|---|
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Connect to existing systems
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Via API, no rebuild of processes or multiple banking relationships
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Manage accounts programmatically
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Provision and manage named accounts, deposits, withdrawals and settlement payments
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Real-time view
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Deposits, withdrawals and balances in one place
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Transaction monitoring
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Built-in monitoring and sanctions screening
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Reconciliation and audits
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Reconciliation-ready data for finance and compliance
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Unified, compliant infrastructure for deposits, withdrawals and settlement.
A brokerage account allows a client to access investment or trading services through a regulated brokerage. It holds the client’s funds for trading and investment activity. Merge does not open such accounts or provide investment services. Instead, it supports the payment layer around that account, handling deposits, withdrawals, named accounts, stablecoin settlement and payment visibility through regulated payment rails.
A crypto broker is a business that enables clients to buy, sell or access crypto assets through a brokerage‑like interface. Merge is not a crypto broker. It provides regulated payment rails that support fiat and stablecoin fund movement for brokerages and digital asset platforms without executing trades or operating an exchange.
No. Merge is not a crypto brokerage. It does not execute trades, custody client crypto assets, provide investment services or operate a trading venue. Merge supplies the payment infrastructure for brokerages, including client deposits, withdrawals, stablecoin settlement, named accounts, transaction monitoring and payment status visibility.
The best crypto brokerage payment setup should combine clear account structures, reliable deposit and withdrawal flows, stablecoin settlement where appropriate, transaction monitoring, sanctions screening and reconciliation‑ready data. Merge can support this payment infrastructure behind those flows, but it should not be described as a brokerage or trading provider.
Bitcoin brokers and crypto brokerage firms may need stablecoin payment rails when serving international clients, moving funds across currencies or looking for alternatives to traditional banking settlement. Merge can support fiat and stablecoin payment flows, but it does not provide bitcoin brokerage, trading, custody or investment services.
