Digital asset platforms connect crypto-native products with fiat payment systems, but banking integrations remain slow and fragmented. The digital assets industry needs a better way to move value between fiat, stablecoins, and local payment rails.
Merge provides regulated payment infrastructure for digital asset companies, enabling fiat collection, stablecoin settlement, and local payouts through a single infrastructure layer.
Crypto exchanges need reliable fiat access for deposits, withdrawals, and settlement, but local banking integrations slow expansion. Merge’s API connects exchange infrastructure to local payment rails, enabling fiat collection, stablecoin settlement, and payouts, without requiring bank accounts in every market.
Digital asset businesses often need to move between fiat money and digital currencies. The typical flow works like this:
Funds are collected via domestic payment methods in supported markets.
Merge's on‑ramp flow converts fiat into reserve-backed stablecoins such as USDC and USDT.
Stablecoins act as the settlement layer, enabling fast transfers across borders.
At the destination, stablecoins are converted back to local fiat through Merge’s regulated off‑ramp.
For crypto‑native platforms, stablecoin‑to‑stablecoin routing and stablecoin‑to‑fiat flows are supported.
Merge connects digital asset platforms to local payment systems without requiring separate banking integrations in every market.
Talk to the Merge team and we'll configure the payment infrastructure that fits your use case.
Blockchain digital assets settle on-chain, but businesses still need fiat access for deposits, withdrawals, and payouts. Merge provides a regulated fiat gateway linking local payment schemes with stablecoin settlement infrastructure, without separate bank integrations per jurisdiction.
Payment reconciliation is complex and manual. Platforms process sales, returns, and adjustments, then compute ledgers and settle periodically, relying on timely, complete, and consistent data for accuracy.
| Benefit | Description |
|---|---|
|
Unified infrastructure
|
A single API for fiat collection, stablecoin settlement and local payouts.
|
|
Programmable settlement
|
Stablecoins enable near real-time settlement across borders.
|
|
Compliance and reporting
|
Merge provides reconciliation data and reporting tools.
|
|
No custody risk
|
Merge is a payment rail, not a wallet or custodian.
|
Digital asset platforms integrate Merge via API, sitting between your product and local rails. It supports collections, on-ramps, stablecoin settlement, off-ramps, and payouts, automating payments while you retain control of user experience, compliance, and licenses.
Merge provides the regulated fiat and stablecoin payment rails that help digital asset companies move value between local payment networks and blockchain‑based settlement
| What Merge supports | What Merge does not support |
|---|---|
|
Fiat collection through local payment rails
|
Custody of digital assets
|
|
24/7 transfer capability via local rails
|
Weekend cut-off times and intermediary bank queues
|
|
Stablecoin rails are always on
|
Bank holidays and time-zone differences
|
|
Shorter settlement times, reduced pre-funding
|
Batch-based FX processing adds delays
|
|
Hold funds centrally, send when needed
|
A Friday payroll run can land the following week
|
|
ACH, SEPA, PIX, Faster Payments, UPI, and more
|
Limited routing through legacy systems
|
Move value between fiat rails and stablecoin settlement through one regulated infrastructure layer. Merge supports digital asset companies with compliant on/off-ramp flows, local payouts and API-led integration, without acting as a custodian, exchange or wallet provider.
A digital asset is a digital representation of value, ownership or rights that exists electronically and can be transferred or recorded using digital systems. In this context, digital assets include cryptocurrencies, stablecoins and blockchain‑based payment instruments that need fiat access and settlement infrastructure.
Yes. Cryptocurrencies, stablecoins and blockchain‑based tokens are types of digital assets because they exist digitally and can be transferred through blockchain networks. Merge supports payment infrastructure around fiat and stablecoin movement, but it does not provide trading, custody, wallet infrastructure or token issuance.
The main digital asset types include cryptocurrencies, stablecoins, tokenised assets, utility tokens and blockchain‑based payment instruments. For the purposes of this customer page, the most relevant digital asset types are stablecoins and crypto‑related payment flows that require fiat collection, stablecoin settlement, local payout rails and reconciliation data.
A digital currency is money or value represented in electronic form. Digital currency can be privately issued or publicly issued. It exists only online and can be exchanged electronically; you cannot touch or hold it like cash. Digital currencies include central bank digital currencies (CBDCs), cryptocurrencies and stablecoins. In payment flows, platforms often need to move between digital currencies and fiat money through a compliant payment infrastructure.
Merge supports digital asset companies by providing regulated fiat and stablecoin payment infrastructure. It connects local payment rails for collections, executes fiat‑to‑stablecoin on‑ramps, enables stablecoin settlement, provides stablecoin‑to‑fiat off‑ramps and handles local payouts. Merge integrates via API and offers payment status visibility, reconciliation data and compliant workflows. Importantly, Merge does not act as a custodian, exchange, trading venue or token issuer.
