ML Meridian Ledger
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SETTLEMENT INFRASTRUCTURE · SANDBOX

The Real-Time B2B Payment Rail for Global Emerging Markets.

Settle corporate transactions across Southeast Asia, Africa, and Latin America instantly. You send and receive fiat — our internal ledger handles the backend speed, powered by our optimized digital asset clearing engine.

Get API Keys → View API Docs
PHP · NGN · KES · GHS corridors live
Settlement core: Proprietary clearing engine
Spreads starting from 0.2%, by volume & corridor · Fully disclosed liquidity paths
Live Corridor · Clearing Engine STREAMING
₱
SENDER
PHP / FIAT
◎
CLEARING CORE
INTERNAL LEDGER
₦
RECIPIENT
NGN BANK
Leg 1 — FX out Internal clearing Leg 2 — FX in
GLOBAL NETWORK COVERAGE

One API. Every corridor that matters.

Domestic banking switches across three continents, connected through a single unified settlement layer.

Southeast Asia
PHPIDRSGD

via InstaPay & BI-FAST

Real-time
Pan-Africa
NGNKESGHS

via NIP & Mobile Money

Real-time
Latin America
BRLMXN

via Pix & SPEI

Instant
Global Hubs
USDEUR₦ NGN₱ PHP

via FedNow & SEPA

Same-day
From 0.2%
Volume-tiered spread, fully disclosed
5 min
Locked-rate quote window
2
Max FX legs per corridor
24 / 7
Always-on settlement rails
BUILT FOR TREASURY TEAMS

Infrastructure, not just an API wrapper.

Every layer is designed for institutions moving real corporate capital across borders — predictable pricing, signed callbacks, and resilient routing.

FX

Locked-Rate Quotes

5-minute quote locks across PHP, NGN, KES, and GHS corridors with transparent multi-leg spread pricing — see the exact rate before you settle.

⇄

Multi-Rail Resilience

Primary settlement through our digital asset clearing engine, with automatic failover routing if a provider rail is unavailable — invisible to your end customer.

#

Signed Webhooks

HMAC-SHA256 verified payment confirmations with timing-safe validation — no spoofed settlement events reach your system.

⚷

Scoped API Keys

Sandbox and production credentials, hashed at rest, issued once and never displayed again — just like Stripe and AWS.

LIVE DEVELOPER PLAYGROUND

One request. A fully-priced corridor.

Request a quote, lock the rate, and settle — the response carries every number you need to reconcile, including how many FX legs were compounded.

request.http
POST /api/v1/quote HTTP/1.1
Host: api.meridianledger.xyz
Content-Type: application/json
X-API-Key: meridian_live_••••••••••••••••

{
  "amount": 50000,
  "source_currency": "PHP",
  "target_currency": "NGN"
}
response.json
● 200 OK 
{
  "status": "success",
  "data": {
    "quote_id": "quote_1782489883055",
    "source_currency": "PHP",
    "target_currency": "NGN",
    "mid_market_rate": 25.641,
    "spread_percent": 0.5,
    "fx_legs": 2,
    "effective_rate": 25.385,
    "payout_amount": 1269262.82,
    "expires_at": "2026-06-27T16:09:43Z",
    "status": "active"
  }
}

Ready to wire up your first corridor?

Generate a sandbox key in seconds. No live credentials required to start building.

Get API Keys → View API Docs
ML Developer Console · sandbox session
Total Payout Volume
$0.00
Active API Keys
0
Success Rate
100%

Real-Time System Health

Generate a New API Key

Mock sandbox key, generated locally in your browser for UI testing — not issued by the live /api/v1/keys endpoint.

Copy this now — it won't be shown again.

Active Keys

Account Webhook Endpoint

Saved locally for this sandbox session. Switching live dispatch to per-account targets is the next backend step — this form previews that account-aware profile.

Saved for this session
Events are signed with HMAC-SHA256 and delivered as Meridian-Signature: t=...,v1=....

Recent Payouts

Payout ID Sender Corridor Rail Amount Status

Compliance Center

Move from sandbox to production-grade settlement.

SANDBOX MODE
1
Legal Entity Profile
2
UBO / KYC
3
Corridors & Volume

Legal Entity Profile

Ultimate Beneficial Owner (UBO) / KYC

⬆
Drag & drop, or click to upload
⬆
Drag & drop, or click to upload
Document uploads are simulated in this sandbox — no files are transmitted or stored.

Settlement Corridors & Volume

Application Under Institutional Review

Submitted · Reference

Document Verification
In Progress
Compliance Desk Review
Pending
Production Activation
Pending
API Reference
POST /api/v1/quote

Request a locked-rate FX quote. Direct USD↔foreign quotes are a single leg; foreign-to-foreign crosses route through USD and compound the spread across two legs.

Request
{
  "amount": 50000,
  "source_currency": "PHP",
  "target_currency": "NGN"
}
Response
{
  "status": "success",
  "data": {
    "quote_id": "quote_1782489883055",
    "source_currency": "PHP",
    "target_currency": "NGN",
    "mid_market_rate": 25.641,
    "spread_percent": 0.5,
    "fx_legs": 2,
    "effective_rate": 25.385,
    "payout_amount": 1269262.82,
    "expires_at": "2026-06-27T16:09:43Z",
    "status": "active"
  }
}
POST /api/v1/payout

Settle a payout, optionally locking in a previously issued quote_id. Quotes are single-use and expire 5 minutes after issuance.

Request
{
  "amount_usd": 1000,
  "sender_id": "client_friend_corridor",
  "recipient_bank_code": "011",
  "recipient_account_number": "3099847112",
  "quote_id": "quote_1782489883055"
}
Response
{
  "status": "success",
  "message": "Payout routed and settled successfully",
  "data": {
    "quote_id": "quote_1782489883055",
    "payout_currency": "NGN",
    "routing": { "rail": "bridge", "network": "solana" },
    "payout": { "payout_amount_usd": 1269262.82 }
  }
}
POST /api/v1/keys

Issue a new sandbox or production API key. The raw key is returned exactly once — only its hash is stored.

Request
{
  "account_id": "client_friend_corridor",
  "environment": "production"
}
✓