Legacy cross-border payments route funds through multiple correspondent banks, often several intermediaries, where each step adds fees, compliance checks, delays, and limited visibility, compounding cost and friction.
Stablecoin cross‑border payments collapse this chain into a single on‑chain hop, lowering cost, improving speed and restoring transparency.
Hidden fees and opaque FX spreads erode margins at every step, forcing businesses to give up a share of revenue just to move their own money.
Settlement can take 2 to 5 days, tying up working capital and exposing businesses to FX risk while funds sit in limbo between correspondent banks.
Merge collapses the entire correspondent chain into a single on-chain transfer. Local currency in. Local currency out. Stablecoin settlement in between, invisible to the end user.
Clean, developer-first stablecoin payment APIs that abstract compliance, banking relationships, and stablecoin complexity, so you ship in days, not months.
Stablecoin on/off-ramp fiat and digital currencies seamlessly. Convert local money to stablecoin and back within your platform, without touching crypto yourself. Each client gets a multi-currency wallet with its own IBAN and bank-grade compliance built in.
Collect from sellers in their local currency. Hold balances per seller in EUR, GBP or USD. Pay out in the currency that reaches them without loss baked into the transfer.
Merge provides dedicated multi-currency account infrastructure with built-in compliance, full payment traceability, and real-time reconciliation. One integration handles client money collection, holding and distribution across EUR, GBP and USD.
Merge provides multi-currency EUR, GBP and USD accounts alongside stablecoin on/off-ramp capability through the same regulated infrastructure and single API. Collect in fiat, settle in stablecoin, pay out globally, all within Merge's EMI and CASP regulatory framework.
Merge provides multi-currency EUR, GBP and USD accounts alongside stablecoin on/off-ramp capability through the same regulated infrastructure and single API. Collect in fiat, settle in stablecoin, pay out globally, all within Merge's EMI and CASP regulatory framework.
Talk to the Merge team and we'll configure the payment infrastructure that fits your use case.
How engineering teams use Merge to power global payments.
On-chain settlement removes the need for SWIFT pre-funding accounts. Zero idle capital sitting in nostro accounts across the world.
Open accounts, initiate swaps, trigger payouts, all through one clean endpoint. Automate your entire payment workflow without juggling banking relationships.
Merge handles KYC/KYB, transaction monitoring, and regulatory workflows in the background, so you can move money globally without building or managing compliance operations yourself.
Issue real EUR accounts in your end users’ names to improve payment acceptance, traceability, and reconciliation, without relying on pooled or purely virtual account structures.
Merge manages the full compliance stack so your team can focus on shipping product. Transparent, flat-fee pricing means no hidden surprises, just predictable costs and greater peace of mind.
Global payment infrastructure shouldn’t take months to build or cost a fortune to run. Merge gives your enterprise instant cross-border settlement, built-in compliance, and a single stablecoin payment API, active in days. Book a demo and see it live.
Stablecoins are digital tokens pegged to fiat currencies such as dollars or euros. When used for payments, they settle on open blockchains in minutes. In a typical flow, your provider converts local money to a stablecoin, sends it on‑chain and off‑ramps to the destination currency. This collapses multiple correspondent hops into one, reducing cost and delay while keeping fiat on both ends.
Define a clear use case, for example, paying international vendors or moving liquidity between entities. Choose regulated stablecoins with full cash and government‑security reserves. Decide whether you will custody tokens or stay in fiat. Use a trusted stablecoin payments platform like Merge to handle KYB, AML and sanctions checks and provide on/off ramps so users see only local currency. Integrate via APIs into your existing workflows and test with small transfers to mitigate irreversible on‑chain errors.
Compared with traditional cross-border rails, stablecoin-based infrastructure can simplify settlement, improve transparency, and reduce operational complexity. It also enables more programmable payment flows, including split payments and automated reconciliation.
On‑chain payments are cheap, but on/off ramps may carry costs. Transactions are irreversible, so implement strong approval and address‑validation workflows. Working with a licensed stablecoin payments infrastructure provider like Merge reduces regulatory and operational risk.
A stablecoin payments platform like Merge provides regulated on/off ramps, multi‑currency accounts and compliance tooling so enterprises can route payments over blockchain without holding tokens. A crypto wallet is self‑custodial and designed for individuals. With Merge, your end users continue to see and send local currency while the back end uses stablecoins to achieve speed and efficiency.
