Meld
Meld provides a unified API platform that aggregates 50+ stablecoin, crypto onramp, and bank linking providers, enabling developers to embed global digital asset and payment functionality across 184 countries with a single integration.
- Company typePrivate
- Founded2022
- HeadquartersLos Altos, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Meld does
Meld (legal entity Meld Universal Inc.) is a fintech infrastructure-as-a-service company that provides a single unified API enabling developers to embed stablecoin onramps, offramps, bank linking, payments, and virtual accounts into their applications. Founded in 2022 by Pankaj Bengani, a former Block executive, and headquartered in the San Francisco Bay Area, the company targets three primary segments: crypto projects (wallets, exchanges, dApps), fintechs building payments and remittance products, and merchants seeking global stablecoin settlement. The platform is anchored by the Meld Network, which aggregates 50+ network partners across 184 countries with coverage of 150+ fiat currencies, 54 local payment methods, and 100+ blockchain networks, and includes a data-driven routing layer branded as Onramp Intelligence or RampScore. Distribution combines a self-serve developer portal, direct enterprise sales, and deep integrations with major wallets and exchanges including MetaMask, Phantom, Robinhood Connect, Coinbase, and Binance Connect, alongside bank linking aggregators such as Plaid, MX, Yodlee, Finicity, and Salt Edge.
The technology stack includes SDKs for TypeScript/React, Python, Java, Go, Ruby, and PHP, with reusable KYC identity orchestration and SOC 2 Type 2 compliant infrastructure. Meld monetizes via transaction fees on conversions processed through its network, operating on a quote-based, pay-as-you-go enterprise pricing model with no publicly disclosed tiers. The company has raised a total of $15M across two disclosed rounds: an $8M seed led by Coatue in May 2022 and a $7M strategic round led by Lightspeed Faction in January 2026, with participation from F-Prime, Yolo Investments, and Scytale Digital. As of early 2026 the team is approximately 15 people, with active hiring for a Growth Lead and senior engineering roles in Europe to support further geographic and segment expansion.
Meld firmographics
Firmographics- Name
- Meld
- Legal name
- Meld Universal Inc.
- Website
- https://meld.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Meld provides a unified API platform that aggregates 50+ stablecoin, crypto onramp, and bank linking providers, enabling developers to embed global digital asset and payment functionality across 184 countries with a single integration.
- Ownership category
- akta.pro rank
Meld industry classification
Industry- Product category
- Fintech Infrastructure
- NAICS
- Media Streaming Distribution Services, Social Networks, and Other Media Networks and Content Providers (51621)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
Keywords
Where Meld is headquartered
LocationHeadquarters
- HQ city
- Los Altos
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Meld business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Transaction Fees: Meld generates revenue through transaction fees charged on stablecoin and digital asset conversions processed through its network. The company expects to at least quadruple its revenue from the previous year.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom enterprise pricing based on transaction volume |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Meld product offering
Product offeringCore offering
Meld provides a unified API platform that aggregates multiple stablecoin service providers, crypto onramp and offramp providers, and bank linking aggregators into a single integration. The platform supports multi-chain token access across 100+ blockchain networks, enables conversions between 150+ fiat currencies and stablecoins, and reaches 184 countries through 50+ network partners and 54 local payment methods.
Product overview
Meld is a fintech infrastructure-as-a-service platform offering a unified API that integrates and orchestrates multiple fintech services — including the Crypto Stack, Bank Linking Stack, Payments Stack, and Virtual Accounts — under one roof. The platform is anchored by the Meld Network, described as the world's largest network of stablecoins and digital assets, which aggregates 50+ network partners and 54 local payment methods across 184 countries. Developers integrate once via the Meld API to access a modular stack of capabilities: the Crypto Stack for onramp/offramp services, the Bank Linking Stack for multi-provider account aggregation (Plaid, MX, Yodlee, Finicity, Salt Edge), the Meld Onramp Intelligence for smart routing and RampScore-based partner selection, Identity Orchestration for cross-network KYC, and Virtual Accounts for stablecoin-linked global bank accounts. The platform is designed to reduce developer integration burden and enable businesses to launch fintech products globally without managing fragmented multi-vendor stacks.
Differentiator
Problem solved
Functional benefit
Products and services
- Meld Platform A unified fintech infrastructure platform providing a single API for integrating and managing multiple fintech services including crypto onramps, offramps, bank linking, and stablecoin payments across global markets. Targets developers and businesses building fintech products.
- Meld Network The world's largest network of stablecoins and digital assets, accessible via API, enabling global access to 50+ network partners, 54 local payment methods, and 184 countries for onramping and offramping digital assets. Targets crypto projects, fintechs, and merchants.
Companies that use Meld
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Meld technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration35 records
Feature6 records
Meld partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered major and core.
- PhantommajorGlobal partnership announced November 2025 to enhance global crypto access. Phantom is a popular crypto wallet supporting multiple blockchains.
- MetaMaskmajorGlobal partnership announced August 2024 for onramp integration. MetaMask is the leading Ethereum wallet and Web3 gateway with millions of users.
- Robinhood ConnectcoreIntegration allows users to buy and transfer crypto directly to self-custody wallets and dapps using debit card, bank account, or Robinhood account.
- StripecoreStripe's crypto onramp integration enables crypto businesses like DEXs, NFT marketplaces, wallets, and dapps to offer crypto purchasing.
- PlaidcoreBank linking integration providing access to 11,789 financial institutions across 5 institution types and 6 products. Plaid is trusted by over 7,000 apps.
- TransakcoreOnramp integration supporting 100+ cryptocurrencies on 75+ blockchains across 125+ countries. Pay via Apple Pay, bank transfer, or debit/credit card.
- YellowCardcoreAfrica's first licensed stablecoin payments orchestrator. Processed $6 billion in volume across more than 20 countries. Provides virtual account services in 20 countries.
- MXcoreBank linking integration providing access to 11,807 financial institutions. MX harnesses clean, categorized data for personalized financial experiences.
- FinicitycorePart of Mastercard family, provides open banking solutions with consumer-permissioned financial data access. Focus on careful financial information handling.
- PayPalcorePayPal's cryptocurrency onramping allows users to purchase, hold, and sell cryptocurrencies like Bitcoin through their PayPal accounts.
- RevolutmajorIntegration with global fintech company serving over 70 million customers across 160+ countries. Supports transfers in multiple currencies.
- PaybismajorCryptocurrency platform enabling Bitcoin and crypto purchases across 180+ countries with simple buying process and fast security checks.
- BanxamajorGlobally recognized payment service provider bridging traditional finance and digital assets. Fully compliant fiat-to-crypto gateway.
- Binance ConnectmajorProvides seamless gateway for digital asset transactions including buy crypto with debit/credit card and fiat trading.
- CoinbasemajorIntegration enables purchase or transfer of crypto to wallet or dapp. Users can purchase crypto using debit cards and bank accounts linked to Coinbase.
- YodleecoreBank linking integration trusted by 1,400+ financial institutions and fintech companies including 15 of Top 20 US banks. Provides data aggregation and analytics.
- Salt EdgecorePSD2 and open banking solutions spanning 50+ countries with access to 5,000+ financial institutions. Also available via Salt Edge Partners program.
- AlgorandmajorBlockchain protocol partnership for stablecoin and digital asset access. Algorand is a Layer 1 blockchain known for speed and low transaction costs.
- AvalanchemajorBlockchain protocol partnership. Avalanche is a high-performance Layer 1 blockchain with fast finality and low fees for DeFi and enterprise use cases.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Meld competitors and assessment
Company assessmentDirect peers
- Bridge (Stripe): Bridge offers a stablecoin API for issuing, sending, and receiving stablecoins. Acquired by Stripe in 2025, it is the most directly comparable competitor to Meld's stablecoin orchestration product.
- MoonPay: MoonPay is a crypto payments infrastructure provider offering onramps, offramps, and swaps across many of the same blockchains, tokens, and payment methods that Meld aggregates via its network.
- Transak: Transak is a global crypto onramp/offramp provider supporting 100+ cryptocurrencies on 75+ blockchains across 125+ countries — overlapping directly with Meld's Crypto Stack and listed as a Meld integration partner.
- Banxa: Banxa is a regulated fiat-to-crypto onramp operating globally with similar payment-method breadth and a developer-friendly API, directly competing with Meld's onramp aggregation.
- Ramp Network: Ramp Network provides a single API for buying and selling crypto with global coverage — a near-identical value proposition to Meld's Crypto Stack and Meld Network.
- Alchemy Pay: Alchemy Pay bridges fiat and crypto payments globally, offering onramp, offramp, and crypto card acceptance — directly overlapping with Meld's Payments Stack and onramp modules.
- Yellow Card: Yellow Card is Africa's leading licensed stablecoin payments orchestrator with $6B in volume across 20+ countries; it is both a Meld partner and a regional competitor for stablecoin orchestration.
- Plaid: Plaid is Meld's bank-linking aggregator partner and a comparable fintech infrastructure API. Its Tink acquisition in Europe positions it as a direct competitor in the bank-linking and open-banking orchestration layer Meld also targets.
Broad incumbents
- Coinbase Onramp / Coinbase Prime: Coinbase offers an onramp API and broader institutional crypto infrastructure. As a major Meld partner and incumbent exchange, it is the dominant large-scale competitor in crypto onramp orchestration.
- Wyre: Wyre historically offered crypto onramp, offramp, and payments APIs similar to Meld's stack before its 2023 wind-down; it illustrates the execution and regulatory risks that incumbent crypto payment orchestrators have faced.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Meld social profiles
Digital presenceMeld compliance and trust
Trust signalCompliance2 records
Meld financial estimates
Financial estimateRevenue estimate
Valuation estimate
Meld leadership team
Management profileNumber of profiles
Profiles1 record
Meld funding detail
Funding detailFunding overview
Funding rounds2 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Meld M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Meld
What does Meld do?
Meld provides a unified API platform that aggregates multiple stablecoin service providers, crypto onramp and offramp providers, and bank linking aggregators into a single integration. The platform supports multi-chain token access across 100+ blockchain networks, enables conversions between 150+ fiat currencies and stablecoins, and reaches 184 countries through 50+ network partners and 54 local payment methods.
Is Meld a public or private company?
Meld is a private company. It is classified as venture growth investor backed and is currently operating.
When was Meld founded?
Meld was founded in 2022. It employs 11 to 50 people.
Where is Meld based?
Meld is headquartered in Los Altos, United States, in the North America region.
How does Meld make money?
One revenue line is on record: transaction Fees.
Who are Meld's main competitors?
Direct peers on record are Bridge (Stripe), MoonPay, Transak, Banxa, Ramp Network, Alchemy Pay, Yellow Card and Plaid. Broad incumbents are Coinbase Onramp / Coinbase Prime and Wyre.
Does Meld have an API?
Yes. Meld provides a single API to access its global digital asset network, enabling developers to integrate stablecoin onramps, offramps, bank linking, and payment orchestration. The API supports TypeScript/React, Python, Java, Go, Ruby, and PHP. The platform offers smart routing across multiple network partners, KYC orchestration, and multi-chain token support. Documentation is available at docs.meld.io. Developer documentation is at docs.meld.io/docs/getting-started.
What industry is Meld in?
Meld's product category is Fintech Infrastructure. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 51621 and its SIC code is 6199.