The private bank
for what comes next
Banking, e-money, custody, yield, cover, payments and lending in one membership. IBAN accounts in EUR, GBP, USD and CHF, a metal card, and every product on one ledger. 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.
Indigo Yield
Six institutional funds with a 4-11% target APY, a three-year audited record and T+1 liquidity. Yield is always your choice: elect in, redeem when you want.
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.
Embedded Cover
Cover priced in real time by Munich Re and bought in the app in seconds. 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, held per client, 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
Seven divisions. One ledger.
A member joins once, is verified once, and every product sits on the same book of record. Each division has its own economics and its own risk, and each one reaches members the group already has.
Meridian Pay
Payments & Acquiring
Card acquiring for trading, banked and profitable merchants that listed processors turn away. Live and taking merchants today.
Meridian Bank
Private Banking
Accounts, the metal card, subscription tiers and Lombard credit. The brand the member holds.
Meridian Wallet
E-Money
IBANs, cards, FX and payouts. Every division settles through it.
Meridian Digital Assets
Custody & Exchange
Fund, convert and hold digital assets in segregated custody, held per client.
Indigo Yield
Yield
Six institutional funds, a 4-11% target APY, a three-year audited record and T+1 liquidity.
Meridian Insurance
Embedded Cover
Cover priced by Munich Re and bought in the app, distributed across an 800-broker network.
Meridian Lending
Secured Commercial Lending
Bridging, development and business-purpose loans to UK companies, fully secured and decided fast.
Why it compounds
A member arriving through ShareMatch opens a wallet, then banks, holds assets, earns yield and buys cover, without being acquired again. Merchant float from Pay flows into the same yield funds.
Three lines drawn in the architecture
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 to scale with the group.
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, Munich Re priced | 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 custody + licensed partners | 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 custody and exchange
- Indigo Yield (6 funds, 4-11% target APY, opt-in)
- Titanium Visa card with stablecoin-to-fiat POS
- Borrow at 4% APR against vault holdings
- Reinsurer-priced cover (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.