Meridian is a portfolio demonstration of a full-stack digital banking platform, built from scratch in vanilla PHP and MySQL — no framework. It exists to show what a production-shaped banking application looks like end to end: RBAC, a real double-entry ledger, TOTP two-factor authentication, transfer limits, admin tooling, and audit logging.
Every transaction on this site runs through a sandbox banking provider. No real funds are ever moved, held, or represented. The architecture is intentionally built so a real, licensed banking provider integration could be swapped in later without touching the rest of the application.
Ledger math, balance integrity, session security, 2FA, password hashing, RBAC enforcement, rate limiting, audit trails.
Actual money movement, KYC/identity verification, interbank settlement, card issuance — these are stubbed by a demo provider clearly labeled throughout the UI.