The digital bank
built for what's next
Subscription-based private banking with dedicated IBAN accounts in EUR, GBP, USD, and CHF. Earn 4-11% APY, borrow at 4% APR, spend with stablecoin-to-fiat Visa card, and get captive insurance bundled in. Personal and corporate.
Core Systems
Every feature engineered for security, yield, and discretion. No compromises.
Global IBAN Accounts
Dedicated IBAN accounts in EUR, GBP, USD, and CHF. SEPA instant and standard transfers, SWIFT for international payments. Multi-currency treasury from a single dashboard. Personal and corporate.
Insured Yield Engine
Institutional-grade yield across six asset classes. 4-11% net APY, insured via our captive insurance structure, auditable on-chain in real time. T+1 liquidity, zero management fees. FINMA-regulated with EEA and UK coverage.
Borrow at 4% APR
Borrow against your vault holdings at 4% APR. Your collateral keeps earning yield while you spend. Tiered LTV from 85% on stablecoins to 50% on SOL, with dynamic volatility adjustments.
Stablecoin-to-Fiat Card
Tap your titanium Visa card anywhere. Stablecoins convert to local fiat in real-time via Circle settlement. Blockchain as backend plumbing, invisible to you and the merchant. 2-5% cashback by tier.
Captive Insurance
Eight lines of insurance bundled into membership, underwritten by our captive insurance structure. Travel, health, home, device, crypto vault custody, life, purchase protection, and extended warranty.
Corporate Banking
Dedicated accounts for e-commerce, crypto, and payment providers. Same-day SEPA settlement, full REST API, and compliance built for fast-scaling sectors from day one. £60K-300K/yr.
VC Deal Access
Co-invest in curated crypto and fintech deals through our network. Borrow against VC positions at 25% LTV as valuations grow. Priority allocation for Apex members.
Cold Vault Security
Institutional-grade custody with Ledger Enterprise HSMs. Multi-signature, geographically distributed. Your assets are segregated, insured via our captive up to £1M, and always under your control.
Yield Engine
Six institutional-grade funds. Zero management fees. 20% performance fee on net returns only. T+1 liquidity.
Stablecoin Fund
USDC / USDT
Alpha Bitcoin
BTC
Ethereum Fund
ETH
Solana Fund
SOL
EURO Fund
EURC
XRP Fund
XRP
Sectors Others Won't Touch
High-growth sectors deserve banking that moves at their speed. Legacy banks don't understand your business. We do, because we built ours in these industries.
Meridian Corporate gives you instant onboarding, fast settlement rails, and a team that actually understands high-risk sectors. We bring our own deal flow from ClearMarket and existing networks.
E-commerce & Marketplaces
Multi-currency settlement, payment acceptance, and treasury management for online merchants and platforms trading across borders.
Crypto & Web3
Fiat on/off ramps, stablecoin treasury, and corporate accounts for exchanges, protocols, and token projects. No six-month onboarding.
Payments & PSPs
Safeguarding accounts, instant settlement rails, and multi-jurisdictional IBAN infrastructure for payment service providers.
High-Volume E-Commerce
Banking for marketplace platforms and high-volume merchants. Multi-currency settlement, chargeback management, and treasury optimisation for fast-scaling businesses.
Trust & Fiduciary Services
Corporate accounts for trust companies, family offices, and fiduciary service providers. Structured treasury, multi-entity management, and full audit trails.
If you operate in crypto, e-commerce, payments, or trust services, we want to talk.
Corporate EnquiriesMeridian Financial Group
Six regulated divisions. One bank.
Each division is its own regulated entity, sharing one technology core and one balance-sheet partner in Moncrief Private Bank. Separate for risk, unified for the member.
Meridian Pay
Payments & Acquiring
Card acquiring and payment-facilitator rails for retail, e-commerce and wholesale merchants.
Meridian Wallet
E-Money
E-money wallets and cards issued to every member and merchant across the group.
Meridian Bank
Neo-Bank & Custody
Accounts, custody, cards and Lombard credit — the bank members hold.
Meridian Digital Assets
Crypto Custody & Exchange
Regulated crypto custody and exchange, passported across the EEA.
Meridian Yield
Yield Engine
Institutional yield products with a multi-year audited track record.
Meridian Insurance
Embedded Cover
Embedded insurance across the member and merchant base; captive follows.
Regulated across four jurisdictions
Distribution
Most neobanks spend $100+ per user on acquisition. Meridian brings its own customers from day one, through platforms the founders already control, at a scale no standalone neobank starts with.
ShareMatch
Retail Customer Engine
ShareMatch brings customers, not admin. Every ShareMatch user is issued a Meridian wallet on sign-up and pushed to open a full Meridian Bank account, a captive funnel of retail depositors from day one.
ClearMarket Labs
Corporate Deal Flow
ClearMarket Labs originates corporate banking deal flow, whitelabelled, focused on junior oil and gas explorers. Each mandate becomes a corporate account, treasury and settlement relationship for Meridian.
Jersey Trust
UAE Family Offices
Jersey Trust channels UAE family offices and their fiduciary structures into Meridian for custody, private banking and Lombard credit, high-value, sticky deposits at the top of the funnel.
Client Pipeline
Every customer balance and merchant reserve becomes float, €50–100m+ at scale, that funds the group's own yield engine and the Lombard credit lines drawn through Moncrief Private Bank. Distribution we own, deposits we keep, margin that compounds inside the group.
The stablecoin economy is here
Live cross-border demand for digital dollars. Meridian is the regulated front door to it.
USDT premium over spot FX, live P2P reference data via OpenRate. Market context only, not Meridian products or rates.
Powered By
Built on the strongest infrastructure in crypto banking
Eight categories, seven decisions, zero US-only blockers. Every partner is regulated, audited, and chosen for MiCA, Swiss, and EU passporting from day one.
Privy
Embedded Wallet
Stripe-owned wallet infrastructure powering 75M+ wallets. SOC 2 Type II, GDPR + Swiss FADP. Native EURC plus the AllUnity EURAU partnership for MiCA-grade EUR settlement.
Sumsub
KYC and AML
Battle-tested identity verification used by 4,000+ regulated entities globally. Liveness, document, sanctions, and PEP checks in a single API. Travel Rule compliant.
Circle
Stablecoin Layer
The only fully MiCA-compliant EU stablecoin issuer at scale. ACPR EMI plus MiCA Article 60 CASP. USDC and EURC with Deloitte-attested reserves, monthly.
BVNK
Virtual Accounts
EU and UK Electronic Money Institutions in one stack. SEPA Instant settles in under 10 seconds. Per-member virtual IBANs in EUR, GBP, and USD with native USDC and EURC on-ramp.
Kulipa
Card Issuance
EU-licensed Visa and Mastercard issuer with 120,000 stablecoin-funded cards already shipped. Apple Pay and Google Pay native. KYC pass-through means no friction at onboarding.
Veda Labs
Yield Vaults
The BoringVault chassis powering Ether.fi, Kraken, Lombard, and Mantle. Audited by Spearbit, Macro, Secure3, and Hexens with $3.5bn in TVL. Insurance-wrappable yield architecture.
LiFi
Cross-Chain Swaps
Multi-chain swap and bridge aggregator covering 60+ chains including Solana. Routes through every meaningful DEX and bridge for best execution. Quoted, custody-wrapped, and KYT-screened.
Chainalysis
Wallet Screening
Pre and post-transaction wallet screening trusted by the world's largest exchanges and regulators. Travel Rule, sanctions, and risk scoring in real time.
Five vendors ship MCP servers, the entire core stack is agent-drivable from day one.
Competitive Analysis
We sit between DeFi protocols and private banks, taking the best of both.
| Metric | Meridian | ether.fi | Traditional |
|---|---|---|---|
| Annual cost | £588 - £5,988 | Free* | £6,000+ |
| Yield (APY) | 4 - 11% | 3 - 5% | 0.5 - 2% |
| Borrowing rate | 4% APR | 4% APR | 5 - 7% Lombard |
| Cashback | 2 - 5% | 2 - 3% | 0 - 1% |
| FX fees | 0 - 0.5% | 1% | 1 - 3% |
| Insurance | 8 lines (captive) | Visa benefits only | Basic or none |
| Corporate banking | High-risk sectors | None | Not high-risk |
| VC deal access | Co-invest + borrow | None | Sometimes |
| Regulation | Swiss FINMA (So-FIT) | Puerto Rico MSB | Full banking licence |
| Fiat rails | IBAN + SWIFT | Limited | Full |
* ether.fi Luxe requires staking 15,000 ETHFI tokens (~£7,800) or £3,334/mo card spend.
Roadmap
Three clear stages. Each one builds on the last. By Stage 3 we have everything Revolut offers, built on stablecoin rails with institutional yield baked in from day one.
Subscription Bank
Swiss FINMA licence (So-FIT)
- Insured yield engine (6 funds, 4-11% APY, on-chain auditable)
- Titanium Visa card with stablecoin-to-fiat POS
- Borrow at 4% APR against vault holdings
- Captive insurance (8 lines)
- Corporate accounts for e-commerce, crypto, payments
- Four tiers: Core, Sovereign, Apex, and Founder (100 NFT holders)
Stablecoin + Fiat Front-End
Full banking rails in place
- EUR/GBP/USD current accounts
- Direct debit and standing orders
- Salary deposits and payroll integration
- Multi-currency wallets with instant conversion
- Apple Pay and Google Pay
- Seamless fiat-to-crypto and crypto-to-fiat
Stablecoin + Licensed EU Bank
Full European banking licence
- European banking licence (or ClearBank partnership)
- Stock, ETF, and tokenised asset trading
- Perpetuals and derivatives
- Lending and credit products
- Full deposit protection
- One product to rival Revolut, without 250 employees
// Banking should match
your ambition
Meridian is currently accepting early access applications. Join the waitlist to secure priority access and founder pricing.