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Overview

Meridian is a layer built on top of Coinbase’s infrastructure that introduces receiver wallet architecture for x402 payments. Unlike direct wallet-to-wallet transfers, Meridian’s proxy facilitator creates isolated receiver balances with built-in fee management and withdrawal controls.

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Key Innovation: Proxy Facilitator Architecture

Traditional x402 (Coinbase): Direct transfers from payer to recipient wallet 
Payer Wallet → Recipient Wallet (immediate transfer)
Meridian’s Architecture: Proxy-managed receiver balances 
Payer Wallet → Meridian Proxy → Tracked Receiver Balances → Controlled Withdrawals
This enables:
  • Organization-scoped payment management with multi-user access
  • Built-in fee collection (1% to treasury) on withdrawals, not transfers
  • Receiver balance tracking without immediate wallet transfers
  • Withdrawal controls with fee deduction at settlement time
  • Enhanced security with organization-scoped access control

Get started

Start building with Meridian in minutes.

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How x402 Works with Meridian

Meridian x402 Payment Flow Sequence Diagram The sequence diagram above shows how Meridian implements the x402 payment protocol with receiver wallet architecture for secure, authenticated transactions.

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Build onchain apps

Use Meridian’s backend and frontend suites of crypto payment services.

x402 Payments

Learn more about Meridian’s x402 smart contracts.

API Reference

Complete API documentation for all endpoints.

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Key Features

Everything you need to build secure payment applications with advanced receiver wallet management.

Receiver Wallets

Proxy-managed balances with organization-scoped access control.

Built-in Fee Management

Automatic 1% fee collection on withdrawals, not transfers.

Organization Management

Multi-user organizations with shared payment infrastructure.

Enhanced Security

Organization-scoped access control with API key management.

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Resources

GitHub Repository

Explore the codebase and contribute to Meridian’s development.