Meld

Stablecoin and crypto ramp network covering 184 countries with a $7 million strategic round

On-ramp Oct 20

Visit meld.io

3.7/ 5

Our score

Good

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Countries 184

Sell to fiat (off-ramp) Yes

What is Meld?

Meld is a digital-asset on-ramp and off-ramp network for apps that need to move users between fiat, stablecoins and other crypto assets. Its single API connects businesses with more than 50 network partners across 184 countries, while Meld Onramp Intelligence scores providers by price, payment-method coverage, conversion and reliability.

Company and funding

Founder and CEO Pankaj Bangani leads Meld. The company announced a $7 million strategic funding round in January 2026, led by Lightspeed Faction with participation from F-Prime, Yolo Investments and Scytale Digital. Meld also lists partnerships with Banxa, Binance Connect, Plaid, MX and Onramp Money.

How the network works

Meld gives developers one API for buying and selling digital assets, transfers, remittances and payroll. Its scoring system selects an on-ramp or off-ramp for each transaction using price, payment-method breadth, conversion and settlement performance. The network updates its RampScore using millions of monthly transactions.

Identity Orchestration provides bank-linking and KYC flows across the network. Meld says it does not store individual identity documents or payment-method information. Coverage includes 150+ fiat currencies, 54 payment methods and support for 184 countries. An Onramp Money integration covers 60 countries, 32 fiat currencies, 15 payment methods and 629 cryptocurrencies.

Fees and availability

The final cost depends on the selected ramp partner, payment method and transaction. Meld’s published examples rank providers by quoted purchase price, but do not establish one network-wide fee. Regional availability also depends on the partner, local payment rails and supported assets. KYC can be handled through the network’s identity orchestration flow.

Track record and risks

Meld reported a reach of 3 billion people and 50+ network partners in October 2026. Its website describes the platform as SOC 2 compliant, independently audited and independently penetration-tested. These controls apply to Meld’s systems, while users remain exposed to the selected ramp’s policies and operational record.

The model adds partner and banking dependencies. Card or local-rail fees and exchange spreads can vary by provider. KYC reviews can delay transactions or restrict access, and country coverage does not mean every asset or payment method is available in every location.

Founders

Pankaj BanganiFounder and CEO

Best for:Crypto apps adding fiat railsGlobal stablecoin payment productsRemittance and payroll platformsDevelopers needing ramp aggregation

Pros and cons

Pros

184-country network coverage
54 local payment methods
Provider selection uses price and conversion data
Supports on-ramp and off-ramp flows
Single API covers multiple ramp partners

Cons

Final fees vary by partner and payment method
Coverage does not guarantee every asset or rail in each country
KYC reviews can delay or restrict transactions
Apps depend on third-party ramp and banking partners
Payment failures or reversals remain possible

Our review

3.7/5

Good

Meld gives businesses one API with provider routing across 184 countries, but pricing, asset coverage and regional limits remain transaction-dependent.

Fees3.0

Coverage4.5

Payment methods4.0

Ease of use4.0

Support3.0

Meld is an infrastructure layer for businesses adding crypto purchases, sales and payouts to an app. Its main strength is aggregation: Meld scores providers by price, payment-method breadth, conversion and reliability, then selects a ramp for each transaction. The network lists 50+ partners and 54 local payment methods across 184 countries, with 150+ fiat currencies supported as of January 2026.

Coverage is broad on paper, although the headline country count does not describe every asset, network or payment method available to each customer. Meld names integrations including Banxa, Binance Connect, Plaid, MX and Onramp Money. The Onramp Money integration covers 60 countries, 32 fiat currencies, 15 payment methods and 629 cryptocurrencies, but those figures apply to that integration rather than the whole network.

The API can connect applications to card and bank-linked flows, local rails and remittance routes, while Identity Orchestration is designed to carry authentication across the Meld Network. KYC handling still depends on the selected partner and jurisdiction. The site presents bank linking and KYC orchestration, not a universal approval threshold or a single published fee schedule, so spreads and settlement times need to be assessed at the transaction level.

The company says it does not store individual identity documents or payment-method information. It also states that its security controls are independently audited, SOC 2 compliant and independently penetration-tested. The network model also creates dependence on banking, payment and ramp partners. Failed or reversed payments, KYC holds and regional outages can still affect the end user.

Founder and CEO Pankaj Bangani runs the company. Meld announced a $7 million strategic funding round in January 2026, led by Lightspeed Faction with F-Prime, Yolo Investments and Scytale Digital participating. The product fits wallets, DeFi applications, remittance services and payroll platforms that need several providers behind one integration. A business needing fixed public fees, direct control over payment approvals or a single regulated ramp may prefer a direct provider instead.

Listings are researched and drafted with AI assistance from public sources, then checked for accuracy and readability. Spot an error? Tell us. Editorial policy.

Sources (1)

Meld: Global Stablecoin and Digital Asset Network

Specs

Service	On-ramp, Off-ramp, Widget / API, Aggregator · unverified
Countries	184 · unverified
Assets	629 · unverified
Developer widget / API	Yes · unverified
Sell to fiat (off-ramp)	Yes · unverified

Not disclosed by the provider: Payment methods, Typical fee, Minimum purchase, KYC required, Apple Pay, Max purchase, Delivery time.

Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.

Key features

Ramp provider scoring

Meld Onramp Intelligence scores partners by price, payment-method breadth, conversion and reliability, then selects a route for each transaction.

Single developer API

Apps can connect to on-ramps, off-ramps, transfers, remittances, payroll and stablecoin payment flows through one integration.

Global payment coverage

The network covers 184 countries and 54 payment methods, with availability varying by partner and region.

Multi-currency support

Meld supports 150+ fiat currencies across its network and connects local payment rails to digital-asset flows.

Onramp Money integration

The Onramp Money connection covers 60 countries, 32 fiat currencies, 15 payment methods and 629 cryptocurrencies.

KYC orchestration

Identity Orchestration connects bank linking and KYC flows across Meld network partners.

Fiat off-ramp flows

Businesses can add crypto sales and payout routes alongside purchases, transfers and other payment operations.

Inside Meld

Meld Network

Meld Network gives businesses one API for onboarding users to digital assets and stablecoins. It supports buying, selling, transfers, on-ramps and off-ramps across the network.

Meld Onramp Intelligence

Meld Onramp Intelligence scores on-ramp and off-ramp providers by price, payment-method breadth, conversion and reliability. The system selects a partner for each transaction.

Identity Orchestration

Identity Orchestration combines bank linking and KYC flows across the Meld Network. It is designed to let customers authenticate once across connected providers.

API Integration

The API connects applications to Meld's digital-asset network through one integration. Businesses can add ramp, payment and settlement flows without building separate connections for every provider.

Meld screenshots

Meld’s homepage shows an onramping service for digital assets, with navigation and a Get started button · Oct 20, 2026

Docs: Meld API documentation page titled “Getting started,” with setup instructions, prerequisites, and navigation links · Oct 20, 2026

What users say about Meld

One user reports a failed crypto transfer and an unresolved support ticket.

Based on 3 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.

User reviews

No user reviews yet. Have you used Meld? Share your experience below.

Funding and investors

$7MTotal raised

1Round

4Investors

Strategic Jan 2026 $7M

LF Lightspeed FactionVenture capital Lead FP F-Prime CapitalVenture capital SD Scytale DigitalVenture capital YI Yolo InvestmentsVenture capital
Source

FAQ

Who founded Meld?

Pankaj Bangani is Meld's Founder and CEO. He continues to lead the company as it develops its stablecoin and digital-asset network.

How many countries does Meld support?

Meld states that its network covers 184 countries. The available payment methods, assets, limits and KYC steps can vary by country and partner.

Does Meld require KYC?

Meld provides bank-linking and KYC orchestration across its network. The required checks and approval thresholds depend on the selected ramp and jurisdiction.

Is Meld safe to use?

Meld says it does not store individual identity documents or payment-method information, and that its controls are SOC 2 compliant, independently audited and independently penetration-tested. Transactions still depend on third-party payment and ramp providers.

What assets and networks does Meld support?

Meld describes its network as supporting multiple blockchains and tokens. One named integration, Onramp Money, covers 629 cryptocurrencies across 60 countries, while that figure does not represent every Meld route.

What does Meld Onramp Intelligence do?

Meld Onramp Intelligence scores on-ramp and off-ramp providers by price, payment-method breadth, conversion and reliability. It uses those scores to select a provider for each transaction through the network.

Latest from Meld on X

Meld.io

@realMeld · 842 followers

Oct 23, 2026

1/ Money20/20 takeaway: blockchain is global, payments are local.🧵

Moving value on-chain is no longer the hard part. Getting it into a local bank account or wallet, in the right currency, through the right payment method is.

2/ Every corridor has its own rails, rules and preferred payment methods. A connectivity layer is critical if money is going to move across many of them without a custom integration for each one.

3/ Stablecoin infrastructure components exist today. But the end-to-end experience still isn’t good enough for mainstream adoption.

Fixing the last mile is the highest priority for the industry right now.

4/ And the problem compounds. As stablecoin use cases expand to more countries, fragmentation grows. Payouts into hard-to-serve corridors get harder, and there is no quick patch for it.

5/ That’s the gap we’re building for at Meld: one integration connecting crypto to the local payment methods people actually use.

Great conversations this week with Sanjib Kalita, and many other people who has hit the floor.

2 3 6 225 View on X

Oct 16, 2026

Meld is heading to Money20/20 USA next week.

Our Founder & CEO @pankajbengani , CRO Ed Padlan, and Michael Kaleta from Sales & Partnerships will be on the ground in Las Vegas discussing how global users can move money on and offchain with stablecoins via a single integration.

If you’re building in crypto or cross-border payments and want to meet up, drop us a message or reach out to the team directly.

📍 Money20/20 USA, The Venetian Expo
📅 October 18 to 21

0 0 4 191 View on X

Oct 15, 2026

Stablecoins aren't removing banks from the system. They're thinning the layers between them.

In MELD's data, most corporations convert back to fiat right after settlement. Supplier payments account for close to a third of business use, with invoice settlement at roughly a quarter.

Thanks @Cointelegraph for the feature: https://t.co/uq8Z34orHC

0 0 3 151 View on X

Oct 4, 2026

The Meld team is heading to TOKEN2049 in Singapore next week.

Drop a comment or reach out to @pankajbengani if you’d like to connect. https://t.co/76u0m8Cym6

1 1 5 279 View on X

Sep 22, 2026

Meld is the network for global stablecoin powered money movement.

Whether you're onboarding users to crypto, moving remittances, running global payroll, or powering Gaming deposits and payouts, one API gives you access to 180+ countries, 90+ payment methods, and the best-converting ramp every time.

Four use cases. One network. Built for scale.

Check out: https://t.co/HO11QLHqMB

1 0 6 232 View on X

Recent public posts from @realMeld, shown as published. Not reviewed or endorsed by CryptoReview.

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