We are building the global bank we wished existed.
Founded in 2021, Meridian International Bank exists to remove the friction that has long made international banking slow, opaque, and expensive.
We believe the internet made global communication instant and nearly free — banking should work the same way. Every decision we make starts with the question: does this make it easier for our customers to move money across borders with confidence?
Platform capabilities
Core Infrastructure
Balanced double-entry ledger accounting, real-time account balance integrity, encrypted sessions, TOTP-based two-factor authentication, password security, and comprehensive audit trails.
Provider Architecture
A pluggable banking provider abstraction layer that handles money movement, identity verification, and interbank settlement — ready to connect with licensed partners as the institution scales.
Security & Access Control
Role-based permissions enforced server-side on every admin action. Session regeneration on privilege change, inactivity timeouts, and account lockout after repeated failed attempts.
Compliance & Oversight
Append-only audit log of every administrative change. Configurable transfer limits, RBAC permissions per role, and full ledger auditability for regulatory and internal reviews.
We are building the global bank we wished existed
Meridian International Bank was founded in 2021 by a small team of engineers and operators who had built payment systems at some of the world's largest fintechs. We saw the same problem everywhere: banking infrastructure that stops at borders. So we built a single platform that moves money the way the internet moves information — instantly, transparently, and at a fair price. Today, thousands of individuals and businesses across 40+ countries rely on Meridian to hold balances, send and receive funds, and reconcile in multiple currencies. We are a regulated financial institution, and we hold customer funds in segregated accounts at tier-one partner banks.
Today, thousands of individuals and businesses across 40+ countries rely on Meridian to hold balances, send and receive funds, and reconcile in multiple currencies.
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The people behind Meridian
Sarah Chen
Sarah founded Meridian after a decade at Goldman Sachs and Stripe, where she led international payments infrastructure serving 40+ markets.
James Osborne
James architected Meridian's double-entry ledger and provider abstraction layer. Former principal engineer at Plaid and Square.
What guides everything we build
Security first
Every line of code, every feature, every decision begins with the question: is this safe for our customers? Encryption, RBAC, and auditability are not add-ons — they are the foundation.
Borderless by design
We did not add international features to a domestic product. Meridian was built from day one to treat borders as an implementation detail, not a constraint.
Radical transparency
No hidden fees. No surprising exchange rate margins. Every transfer shows you exactly what you send, what the recipient receives, and what Meridian earns.
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