For Brokerages
Real-Time Funding Rail for Brokerage Accounts
Let clients fund their accounts — and withdraw their gains — in seconds. Meridian replaces ACH hold windows and wire cut-offs with instant, 24/7 rails.
For Brokerages
Let clients fund their accounts — and withdraw their gains — in seconds. Meridian replaces ACH hold windows and wire cut-offs with instant, 24/7 rails.
The Challenge
Markets move in seconds. Funding doesn't. Clients sign up, link a bank, and then wait two to four days for an ACH deposit to clear before they can place a trade. Wires miss cut-off times. International deposits route through correspondent banks, arriving three days later with fees deducted along the way.
For emerging-market clients trying to access US-denominated brokerage products, the problem compounds: local banks block outbound USD wires, FX spreads are opaque, and the first deposit can take a week before it's tradable. Most give up before their account is funded.
Meridian eliminates the funding gap. Instant deposits, named accounts per client, and local-currency withdrawals — all through a single integration built for the brokerage funding workflow.
The Solution
Meridian combines real-time payments, named USD accounts, and multi-currency settlements into a single platform purpose-built for brokerage funding flows — deposits in seconds, withdrawals in seconds, and full reconciliation by default.
Fund brokerage accounts and process withdrawals in seconds on local real-time rails — UPI, InstaPay, PromptPay, PIX, Faster Payments, SEPA Instant, and more. 24/7/365, with instant confirmation.
Learn more →Issue named US bank accounts to each client so deposits arrive pre-attributed. Receive USD via Fedwire and ACH directly — no correspondent bank, no ambiguous incoming wires to reconcile.
Learn more →Return client withdrawals in local currency across EM corridors at competitive wholesale FX rates. Batch or single payments, with real-time status tracking end-to-end.
Learn more →
Use Cases
Why Meridian for Brokerages
Meridian's funding infrastructure collapses the gap between account opening and active trading. A new client signs up, receives their named deposit account instantly, wires or pushes funds, and sees a tradable balance within seconds — not days.
The same rails run in reverse for withdrawals. When a client requests payout, Meridian settles in local currency over a real-time rail — 24/7, including weekends. No ticket queue. No Monday-morning batch.
Seconds
To tradable balance
24/7
Funding & withdrawals
T+0
Settlement
Why Meridian
Traditional ACH holds funds for 2-4 days before they can be traded. Meridian routes deposits over real-time rails and Fedwire so balances are immediately available — clients never miss a market move waiting for a bank transfer to clear.
Each client gets their own named US bank account linked to their brokerage profile. Incoming deposits are pre-attributed — no manual matching of wire references, no failed wires parked in a suspense account.
AML, KYC reliance, OFAC screening, and travel-rule reporting are handled before funds touch the rail. Your brokerage stays compliant across every corridor without standing up a separate correspondent-banking stack.
A single REST integration covers USD clearing, real-time local rails, stablecoin inflows, and FX settlement. Add new markets without adding bank relationships — and without re-architecting your funding flow each time.
Schedule a conversation with our team. We'll review your funding corridors, your client geographies, and show you how quickly you can replace ACH hold windows with real-time deposits.