For Digital Wallets & Fintechs
Add USD receiving, FX conversion, and settlements to your digital wallet — without building the banking infrastructure yourself. Meridian makes cross-border a feature, not a roadblock.
The Challenge
Digital wallets have transformed domestic payments across high-growth markets. Your users pay bills, split checks, and top up prepaid services without touching cash. But when they need to receive USD from a US employer, pay a US subscription, or send money internationally — your wallet can't help them.
That gap pushes users to remittance apps, bank wires, and informal channels — each with 3–8% fees and multi-day settlement. You lose the transaction. They lose the money.
Meridian closes the gap. Add USD receiving, bill pay, and local settlements to your wallet with a single API integration — and keep your users inside your ecosystem for every money movement.
The Solution
Three products that combine to give your users a full cross-border financial experience — embedded inside the wallet they already use every day.
Give your users real, named US bank accounts. Let them receive USD from employers, platforms, and payment services — directly inside your wallet.
Learn more →Enable US bill pay for your users. Accept payments from US billers and platforms so customers can settle US obligations without leaving your app.
Learn more →Settle to local bank accounts and wallets across EM corridors in local currency after converting from USD at competitive FX rates.
Learn more →
Use Cases
Proven at Scale
GCash — the Philippines' leading digital wallet — partnered with Meridian to launch US bank accounts for its users. In the first quarter, over 100,000 accounts were opened with a 40% conversion rate from application to active account.
Users are now receiving US payroll, connecting to PayPal and Wise, and paying US bills — all without leaving the GCash app. The product launched in weeks, not years.
100K+
Accounts opened
40%
Conversion rate
1%
Total cost
Why Meridian
Meridian is white-label by design. Your users see your brand — Meridian powers the capability behind the scenes. No co-branding, no confusion.
AML, KYC, OFAC screening, and regulatory reporting are built in. Your wallet gains cross-border capability without building a compliance stack from scratch.
A single REST API unlocks dollar clearing, collections, and settlements. Your engineering team integrates once and gets a full cross-border product suite.
Start with one capability and expand as your product grows. Meridian's products are modular — you can add FX, stablecoin, and additional corridors without re-platforming.
Talk to our team about your wallet's cross-border needs. We'll show you how quickly you can add USD receiving, bill pay, and settlements for your users.