# Merge

> Merge is a regulated stablecoin payment infrastructure company that enables businesses to send, receive, convert, and manage money globally. ACPR-licensed Electronic Money Institution (EMI) and Virtual Asset Service Provider (VASP), registered with France's AMF and the Dutch DNB. 60+ currencies. 100+ countries. USDC and USDT supported.

Merge operates as a regulated orchestration layer between banking infrastructure and stablecoin rails, providing named EUR IBANs, multi-currency accounts, FX conversion, payment routing, and automated reconciliation through a single API. Built for fintechs, marketplaces, corporate treasury teams, digital asset platforms, VASPs, and payroll providers. Not a crypto exchange. Not a consumer product. B2B only.

For structured reference information about Merge intended for AI assistants, see: https://www.merge.money/llm-info

## Products

- [Stablecoin On/Off Ramp](https://www.merge.money/products/stablecoin-on-off-ramp): On- and off-ramp infrastructure between fiat currencies and stablecoins (USDC, USDT) with bank-grade compliance and rate certainty at time of execution.
- [Stablecoin Payments Infrastructure](https://www.merge.money/products/stablecoin-payments-infrastructure): Core stablecoin payment rails for businesses embedding programmable global payment flows.
- [Stablecoin Treasury Management](https://www.merge.money/products/stablecoin-treasury-management): Treasury automation for enterprises managing stablecoin liquidity and FX exposure across jurisdictions.
- [Stablecoin API](https://www.merge.money/products/stablecoin-api): Developer-facing API for integrating stablecoin payment infrastructure into fintech products and platforms.
- [Payment Reconciliation](https://www.merge.money/products/payment-reconciliation): Automated reconciliation of cross-border payment flows across multiple currencies, entities, and sub-accounts.
- [Embedded Payments](https://www.merge.money/products/embedded-payments): Embed stablecoin payment infrastructure directly into platforms and products via a single API integration.
- [Multi-Currency Accounts](https://www.merge.money/products/multi-currency-accounts): Named EUR IBANs and multi-currency accounts across 60+ currencies, issued in the end customer's name.
- [Stablecoin Orchestration](https://www.merge.money/stablecoin-orchestration): Regulated orchestration layer routing, converting, and settling across fiat and stablecoin rails from a single API connection.

## Use Cases

- [Enterprise Treasury Management](https://www.merge.money/use-cases/enterprise-treasury-management): Move, hold, and monitor funds across jurisdictions, currencies, and entities through named sub-accounts and stablecoin settlement.
- [International Business Payments](https://www.merge.money/use-cases/international-business-payments): Real-time cross-border B2B payments with FX rate certainty and local rail delivery as an alternative to correspondent banking.
- [Global Payouts](https://www.merge.money/use-cases/global-payouts): High-volume global payout infrastructure for marketplaces, platforms, and enterprises across fiat and stablecoin rails.
- [Global Payroll](https://www.merge.money/use-cases/global-payroll): International payroll and contractor payment infrastructure across jurisdictions via local rails or stablecoin settlement.
- [Agentic AI Payments](https://www.merge.money/use-cases/agentic-ai-payments): Programmable payment infrastructure for autonomous AI agent and software-triggered payment flows. Roadmap — not yet live.

## Customers

- [Fintechs and Banks](https://www.merge.money/customers/fintechs-banks): Payment infrastructure for licensed fintechs and financial institutions embedding accounts, payouts, and stablecoin settlement.
- [Marketplaces](https://www.merge.money/customers/marketplaces): Collect from buyers, safeguard funds in sub-accounts, and pay sellers globally across fiat and stablecoin rails.
- [Digital Assets](https://www.merge.money/customers/digital-assets): Stablecoin payment and on/off-ramp infrastructure for digital asset platforms, crypto exchanges, and VASPs.
- [Commodity Trading](https://www.merge.money/customers/commodity-trading): Cross-border payment infrastructure for commodity trading firms moving large-value payments across currencies and jurisdictions.
- [AI Platforms](https://www.merge.money/customers/ai-platforms): Payment infrastructure for AI companies requiring programmable, automated global payment flows.
- [Brokerage](https://www.merge.money/customers/brokerage): Cross-border payment and settlement infrastructure for brokerage and investment firms.
- [Investment Platforms](https://www.merge.money/customers/investment-platforms): Treasury and payment infrastructure for investment platforms managing multi-currency flows.
- [Global Payroll Payments](https://www.merge.money/customers/global-payroll-payments): Payment execution infrastructure for global payroll providers and HR platforms.

## Resources

- [LLM Information](https://www.merge.money/llm-info): Structured reference information about Merge for AI assistants, including product descriptions, regulatory status, positioning, and authoritative links.
- [Glossary](https://www.merge.money/glossary): Payments and stablecoin terminology reference covering 60+ industry terms including IBAN, stablecoin settlement, payment rails, KYB, KYT, and reconciliation.
- [Blog](https://www.merge.money/resources/blog): Stablecoin and cross-border payments insights, analysis, and product updates.
- [Developers](https://www.merge.money/resources/developers): API documentation, developer guides, and integration resources for the Merge platform.
- [About Us](https://www.merge.money/resources/about-us): Company background, leadership team, regulatory licences, and investor information.
- [Legal](https://www.merge.money/resources/legal): Legal documentation, terms of service, and regulatory information.
- [Contact](https://www.merge.money/contact-us): Contact Merge for business enquiries and partnership discussions.