Merge Launches Named Euro IBANs to Power Scalable Fiat–Stablecoin Payment Infrastructure

Merge, a regulated fintech backed by Octopus Ventures and Coinbase, announced the launch of Named EUR IBANs, a major enhancement to its API-first payments infrastructure. The new product enables businesses to issue fully named, dedicated EUR IBAN accounts to their end users, unlocking seamless fiat collection, reconciliation, and payout capabilities across Europe.

Unlike traditional virtual IBAN setups, Merge’s Named EUR IBANs are real, fully functional accounts opened in the name of the end customer. These accounts can receive, hold, and send funds. It supports both first-party and third-party payments, making them suitable for a wide range of use cases from marketplaces and fintech platforms to regulated crypto-native companies bridging fiat and stablecoin rails.

This release addresses a critical bottleneck in cross-border and digital asset payments: the lack of reliable, scalable fiat infrastructure that integrates natively with blockchain-based systems. By combining dedicated IBAN accounts with its stablecoin payment capabilities, Merge enables clients to orchestrate end-to-end flows between fiat and digital assets, while maintaining regulatory compliance and traceability of payments. 

“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 strengthens its position as a leading provider of fiat and stablecoin payment infrastructure for regulated institutions. Clients can now benefit from:

• Dedicated IBANs in the end-user’s name, improving trust and payment acceptance rates
• Automated reconciliation through one-to-one account mapping
• Seamless integration with SEPA payment schemes
• Interoperability with stablecoin rails, including on/off-ramp capabilities
• Full compliance coverage under Merge’s EMI and VASP regulatory framework

The product is available immediately to Merge clients across supported jurisdictions, with onboarding designed to be fast and API-driven.

As stablecoins continue to gain traction in global payments, the need for robust fiat infrastructure remains paramount. Merge’s Named EUR IBANs bridge this gap enabling businesses to build next-generation financial products without compromising on reliability or compliance.