Fintechs and payment service providers need infrastructure they can build into their own products. Instead of stitching together separate bank partnerships, stablecoin rails and reporting systems in every market, Merge offers one platform for:
Direct banking integrations, local payout rails, and stablecoin connections are complex to build and maintain in each country. Merge reduces that complexity by combining:
A fintech company can use Merge to embed named accounts into its own product. Each account has an IBAN or virtual account number (where supported) and can be mapped to a customer, counterparty or business line. This makes it possible to:
Cross-border payments via correspondent banking are slower, costlier, and less transparent due to intermediary hops, FX markups, and delays. Fintechs and banks need a better way to move money globally. Merge supports:
| Use Cases | Description |
|---|---|
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Collections
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Receive funds in local currency or stablecoin.
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Stablecoin settlement
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Convert fiat into stablecoin and transfer value on-chain. This can shorten the payment chain and save costs.
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Payouts
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Disburse funds via local rails or stablecoin wallets where available.
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Internal transfers
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Move balances between sub-accounts or entities.
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Commercial banks
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Stablecoin settlement + local rails alongside existing operations.
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EMIs
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Client-facing accounts, cross-border payouts, fiat-stablecoin settlement.
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PIs
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Stablecoin rails + local payout coverage across corridors.
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Neobanks
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Global payments without building every connection per market.
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Talk to the Merge team and we'll configure the payment infrastructure that fits your use case.
Crypto payment service providers and fintech platforms are exploring stablecoin‑enabled payment flows. Merge connects fiat access with on‑chain settlement so you can:
Convert balances between fiat and stablecoins through regulated on/off-ramp partners.
Send or receive payments in stablecoin while still paying out in local currency when needed.
Embed stablecoin settlement into B2B workflows without building custody infrastructure.
Merge’s API lets you:
Merge offers API‑driven payment initiation across multiple rails, with compliance and settlement handled by Merge.
When payment data is spread across multiple banking and provider portals, reconciliation becomes a manual overhead. Merge consolidates it:
The right partner should help you launch quickly without rebuilding banking and stablecoin rails yourself.
Merge brings accounts, payouts, collections and stablecoin settlement into one infrastructure layer. Build payment functionality into your product without managing separate banking and payment rails across markets.
Merge helps fintechs and banks overcome the complexity of managing multiple banking integrations, local payment rails, settlement workflows, and reconciliation processes across different markets. Through a single integration, businesses can access accounts, collections, payouts, cross-border payments, stablecoin settlement, and unified reporting, reducing operational overhead and infrastructure complexity.
Merge helps fintech companies build payment functionality into their own products, including named accounts, collections, payouts, internal transfers, stablecoin settlement and fiat-stablecoin conversions. Merge operates as the infrastructure layer, while the fintech keeps control of its customer experience, product design and commercial relationships.
Merge provides a regulated payment infrastructure for fintechs and PSPs. It supports accounts, cross‑border payments, stablecoin settlement, payout workflows and reconciliation data through one integration. While Merge delivers PSP‑like capabilities, it does not claim a specific regulatory category without legal approval.
Fintechs should evaluate a payment service provider’s market coverage, account infrastructure, payout methods, stablecoin support, compliance workflows, API flexibility and reconciliation data. The right partner should reduce fragmented integrations and let the fintech build its own branded product experience without constructing separate banking and stablecoin rails in every market.
No. Merge does not replace a fintech’s compliance programme when the fintech has direct regulatory obligations. Merge handles payment execution and regulated workflows where applicable, but the fintech remains responsible for its customer‑facing product, required licences and compliance obligations tied to its regulated activity.
