Terms of Service

Last updated: March 2026

1. Introduction

These terms of service ("Terms") govern your access to and use of the Meridian digital banking platform, including stablecoin vault services, card services, and corporate banking services. By using Meridian, you agree to these Terms.

2. Eligibility

Meridian services are available to individuals and entities that meet our onboarding requirements, including Know Your Customer (KYC) and Know Your Business (KYB) verification. Meridian reserves the right to decline applications at its discretion.

3. Custody and security

Meridian vault services use institutional-grade custody with segregated cold vault reserves secured by hardware security modules (HSMs). Members control the ratio between cold-stored reserves and yield-earning allocations. All custody infrastructure is audited independently and insured against operational risk.

4. Risk disclosure

Digital asset services carry inherent risks including smart contract risk, market volatility, and regulatory change. Past yields are not indicative of future performance. All APY figures shown are variable and subject to market conditions.

5. Governing law

These Terms are governed by the laws of Switzerland. Any disputes shall be subject to the exclusive jurisdiction of the courts of Zug, Switzerland.

Full terms of service will be published upon regulatory approval and platform launch. For enquiries, contact legal@meridian.bank.