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 iGaming, crypto exchanges, and payment providers. Same-day SEPA settlement, full REST API, and compliance built for high-risk 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.
iGaming
Multi-currency settlement, player payment processing, and regulatory-compliant treasury management for licensed operators.
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 iGaming, crypto, e-commerce, payments, or trust services, we want to talk.
Corporate EnquiriesDistribution
Most neobanks spend $100+ per user on acquisition. We bring our own clients from day one through our existing platforms.
ClearMarket
Deal Flow & Advisory
Our advisory and capital markets platform gives Meridian direct access to high-growth companies that need corporate banking. Every ClearMarket client is a potential Meridian depositor.
ShareMatch
Equity Infrastructure
ShareMatch powers private company equity management. Companies on ShareMatch can use Meridian for treasury, payroll, and shareholder distributions, creating a closed-loop financial ecosystem.
Client Pipeline
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 iGaming, 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.