Merge, a regulated fintech backed by Octopus Ventures and Coinbase, has launched Named EUR IBANs, an enhancement to its API-first payments infrastructure.
The new product allows businesses to issue fully named, dedicated EUR IBAN accounts to their end users, supporting fiat collection, reconciliation, and payout across Europe.
Unlike traditional virtual IBAN arrangements, Merge’s Named EUR IBANs are actual accounts opened in the name of the end customer.
These accounts can receive, hold, and send funds, supporting both first-party and third-party payments.
The functionality accommodates a range of use cases, including marketplaces, fintech platforms, and regulated crypto-native companies bridging fiat and stablecoin systems.
The release addresses a challenge in cross-border and digital asset payments: the lack of scalable fiat infrastructure integrated with blockchain-based systems.
By combining dedicated IBAN accounts with its stablecoin payment capabilities, Merge allows clients to manage end-to-end flows between fiat and digital assets, while maintaining regulatory compliance and traceability.
“Named EUR IBANs are a foundational building block for any business looking to operate at scale across fiat and stablecoin rails,”
said Kebbie Sebastian, CEO of Merge.
“We’re giving our clients the ability to offer their users a true modern payment infrastructure combining flexibility, speed, and programmability.”
With this launch, Merge aims to strengthen its position as a provider of fiat and stablecoin payment infrastructure for regulated institutions.
Clients can now issue dedicated IBANs in the end-user’s name, improving trust and payment acceptance, automate reconciliation through one-to-one account mapping, integrate with SEPA payment schemes, and ensure interoperability with stablecoin rails, including on/off-ramp functionality.
The service operates within Merge’s EMI and VASP regulatory framework and is available immediately to clients across supported jurisdictions, with API-driven onboarding.
As stablecoins gain traction in global payments, robust fiat infrastructure remains essential.
Merge’s Named EUR IBANs help businesses build financial products that bridge traditional and digital payment systems while maintaining reliability and compliance.
Featured image credit: Edited by Fintech News Switzerland, based on image by Mockup_Mania via Freepik
