Category: global-dollar account and card stack / crypto-neobank and wallet layer / freelancer-and-business treasury app
Summary: Meru is better cataloged as a crypto-neobank and global-account control plane than as a simple prepaid card or freelancer wallet. Its homepage leads with a borderless USD/EUR account, international Visa card, QR payments, MoneyGram cash access, DeFi investing, and crypto deposits, while the help center makes the operating surface more concrete: U.S.-named account details for receiving freelance and platform income, support for USDC and USDT deposits over Stellar, Polygon, Tron, and Base, a Visa card issued in the United States, and a business product with USD/EUR accounts, team cards, payroll, and global payments. The result looks less like a narrow crypto wallet and more like a hybrid treasury app that blends bank-style receiving accounts, card spend, stablecoin funding, and optional Web3/DeFi features.
What it does:
Gives users USD and EUR accounts they can open from a mobile app and use to receive international payments in their own name
Offers a Visa card product (virtual and physical) funded from Meru balances for online, in-store, and ATM use
Supports crypto deposits and withdrawals, with current first-party help coverage for USDC and USDT across several networks
Lets users route funds from external platforms such as PayPal, Upwork, Wise, and Stripe into Meru using provided account details
Exposes additional product layers including Wallet3/Web3, DeFi investing, U.S. stock access, local account modules, and MoneyGram cash movement
Offers Meru Business for companies that need USD/EUR accounts, team cards, global payments, collections, payroll, and expense management
Key claims:
The homepage says users can “save, send, receive, invest and pay globally without limits” and fund the account via bank transfers, PIX, cash, or cryptocurrencies
The help-center overview says Meru is a financial app with a global USD/EUR account, international receiving, sending, savings in digital dollars, payments, purchases, and a Visa MeruCard
The MeruCard article says the card is a virtual and physical international Visa funded from the user’s Meru balance and issued in the United States
The U.S. account article says the account is in the user’s name and can receive freelance income or payouts from PayPal, Upwork, Payoneer, Deel, and related services, typically settling in 1–3 business days
The payments-platform article says users can manually connect Meru banking details in services such as Wise and Stripe to receive USD directly in Meru
The crypto-deposit article says Meru currently supports deposits of USDC or USDT on Stellar, Polygon, Tron, and Base
The Wallet3 article says users can move assets from the Web3 wallet into their main balance by swapping into USDC on Polygon and depositing to the main account
The Meru Business article says companies of any size can open accounts with USD and EUR balances, team cards, and solutions for global payments, collections, payroll, and international expenses
Whitepaper: No canonical standalone Meru whitepaper or litepaper surfaced in this pass. The clearest current sources of truth were the official site and the help-center articles that document card behavior, account receiving flows, crypto-network support, and the business offering; see ../whitepapers/meru-primary-sources-2026-05-06.md.