Meld
San Francisco, US · Founded 2021 · 31 employees on LinkedIn · 6 known investors
Meld operates a network for onboarding users to stablecoins and digital assets, offering onramp/offramp orchestration, multi-chain token support, and KYC/bank-linking tools accessible via API. It serves crypto projects, fintechs, and merchants for use cases such as buying digital assets, cross-border payments, remittances, and payroll.
Also known as Meld Network
Founders & leadership
Meld was founded in 2021 by Pankaj Bengani.
Investors · 6
Also in the syndicate · 1
Funding
SEC filings, press & company announcements$7M disclosed across 1 of 2 rounds · 2026
- Undisclosed amountStrategic RoundJan 2026
Lightspeed Faction (lead), F-Prime, Scytale Digital, Yolo Investments
Source ↗ - $7MraisedJan 2026 · 3 sources
Lightspeed Faction (lead)
Source ↗
Source: company announcements and press reports — follow each round's link for the claim.
Company profile
researched Aug 2026Meld operates a network for accessing stablecoins and other digital assets, allowing fintechs, wallets, crypto projects and merchants to embed buying, selling and transferring of digital assets in their own applications through a single API integration. The network aggregates more than 50 onramp and offramp partners, covering over 180 countries, more than 150 fiat currencies, and 54 local payment methods, with support for stablecoins and native blockchain assets including Ethereum, Solana and Bitcoin.
Beyond routing, Meld provides onramp intelligence: it scores each partner ("RampScore") on price, breadth of payment methods and conversion using transaction data across the network, and selects partners intended to reduce failed transactions and cost. Additional capabilities include multi-chain and token support, identity orchestration through KYC and bank-linking so users authenticate once across the network, stablecoin-linked global bank accounts for merchants, quote generation across multiple onramps in one API call, and a unified dashboard for customer, transaction and conversion analytics. The company states it does not store individual identity documents or payment method information, and describes itself as SOC 2 compliant and independently penetration tested.
Use cases supported include buying stablecoins and tokens inside wallets and fintech apps, global payouts and payroll to employees and contractors, remittances, marketplace collections, and cross-border trade settlement using stablecoin rails and virtual accounts.
Founding story
Pankaj Bengani founded Meld after roughly five years at Square (now Block), motivated by that company's financial-inclusion mission and by the difficulty companies face paying employees in stablecoins across countries that each rely on different local providers. He describes the market as fragmented across blockchains, stablecoins and payment methods, and set out to build a single point of access for converting and moving digital assets globally.
Business model
Meld operates as an aggregation and orchestration layer between fiat and digital assets. Client applications integrate a single API and optional pre-built, co-branded UI; Meld routes each transaction across its network of onramp and offramp partners and provides unified webhooks, dashboards and analytics. It also offers a Bank Linking product for retrieving account balances, transaction history, identity verification and account details such as IBAN or account/routing numbers.
Meld generates revenue through transaction fees; specific figures were not disclosed.
Traction
As of January 2026 Meld reported more than 50 network partners, coverage of more than 180 countries and over 150 fiat currencies, about 15 employees, and an expectation of at least quadrupling revenue from the prior year. The company cites partnerships with Uniswap, Phantom and MetaMask, and its site claims a reach of 3 billion people and 54 local payment methods.
Latest developments
On January 14, 2026 Meld announced a $7 million strategic funding round led by Lightspeed Faction with participation from F-Prime, Yolo Investments and Scytale Digital, bringing total capital raised to $15 million; the valuation was not disclosed. At the time of the announcement the company reported about 15 employees, more than 50 network partners, and an expectation of at least quadrupling revenue year over year.
▸Full profile — market position, technology, go-to-market, geography, history, risks & controversies
Market position
Meld describes itself as the largest network for accessing digital assets and stablecoins and has been characterized in press coverage as aiming to be a "Visa for crypto" — partnering with regional crypto providers for last-mile transactions in the way Visa partners with banks. It competes with fiat-to-crypto onramp and offramp providers including Stripe and Bridge.
Meld positions itself as an aggregator across many regional providers rather than a single onramp, claiming up to 20x greater coverage than working with one onramp, and routing based on price, payment-method breadth and observed conversion. The founder contrasts Meld with Stripe and Bridge, which he describes as serving mainly the United States and European markets, while Meld emphasizes broader global coverage through local partners such as Yellow Card in South Africa and Onmeta in India. Additional differentiators cited are single-KYC identity orchestration across the network and a single integration for both pay-in and pay-out flows.
Technology
A single REST API with client examples in TypeScript/React, Python, Java, Go, Ruby and PHP, plus pre-built customizable UI components, webhooks and an analytics dashboard. The RampScore routing engine ranks network partners on price, payment-method breadth and conversion using data from millions of monthly transactions. Identity orchestration handles KYC and bank linking across the network, and the platform supports multiple blockchains and tokens. Security claims include SOC 2 compliance, independent penetration testing, and not storing identity documents or payment method data.
Go-to-market
Meld sells to developers and product teams through API and documentation-led adoption, a sandbox environment, and direct sales contact for crypto projects, fintechs and merchants. It also recruits onramp and offramp providers through a network partner application to expand distribution. Proceeds from the January 2026 round are earmarked for growing the sales department, expanding the network globally and building out customer success infrastructure.
Crypto projects and wallets, fintech applications, employers making cross-border payouts to employees and contractors, marketplaces collecting payments globally, merchants needing stablecoin-linked bank accounts, and DeFi and remittance platforms.
Geography
Headquartered in San Francisco. Coverage spans more than 180 countries (the company's site cites 184 countries and 190+ countries/currencies for its digital asset network), over 150 fiat currencies and 54 local payment methods, delivered via regional partners including Yellow Card in South Africa and Onmeta in India.
History
Founder Pankaj Bengani, who previously spent about five years at Square (now Block), started Meld to address fragmentation across blockchains, stablecoins and local payment providers. The Meld network launched in 2024. In January 2026 the company announced a $7 million strategic round, bringing total capital raised to $15 million, with proceeds directed at sales hiring, global network expansion and customer success infrastructure.
Risks & controversies
The company did not disclose its valuation or revenue figures. It operates in a fragmented market alongside larger fintech incumbents such as Stripe and Bridge, and its coverage depends on a network of third-party regional onramp and offramp providers.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 3
launches, deals, and filingsMeld announced the close of a $7 million strategic round led by Lightspeed Faction, with participation from F-Prime, Yolo Investments and Scytale Digital, to fund go-to-market, expansion of the Meld Network, and customer success and operational support capabilities.
$7M source ↗
Meld states it partners with industry innovators including Uniswap, Phantom and MetaMask to deliver cross-border access to digital assets.
The Meld network launched in 2024, connecting companies and individuals to partner providers for buying and settling stablecoins, Bitcoin, Ethereum and other digital assets.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 8
primary sources listed
- Meldmeld.io · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Meld do?
- Meld runs an API-based network aggregating onramp and offramp partners so apps can convert fiat into stablecoins and digital assets globally.
- Who founded Meld?
- Meld was founded by Pankaj Bengani in 2021.
- Who are Meld's investors?
- Meld's investors include Coatue Management, Faction, K9 Ventures, Yolo Investments, Lightspeed Faction.
- How much funding has Meld raised?
- Meld has disclosed $7M raised across 1 of its 2 known rounds.
- Where is Meld headquartered?
- Meld is headquartered in San Francisco, US.