> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mrdn.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Roadmap

Meridian is a payments facilitator. We're also building toward trustless refunds, cross-chain settlement, and **mrUSD**, a USD stablecoin issued via M0. The sections below follow those three tracks through 2026.

<img
  src="https://mintcdn.com/meridian-11ea0994/7-JTifLJlgYMdOYX/images/roadmap.jpg?fit=max&auto=format&n=7-JTifLJlgYMdOYX&q=85&s=57ce78a389a62db826e8113475613ece"
  alt="Meridian Protocol roadmap: UMA arbitration (in progress), Circle CCTP nano-payments (completed), and mrUSD stablecoin via M0 (planned)"
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  width="4800"
  height="2700"
  data-path="images/roadmap.jpg"
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## 01. UMA Arbitration

**Status:** <span style={{ color: "#10b981", fontWeight: 600 }}>In progress</span>

Today, refunds on Meridian are issued manually by merchants. UMA's optimistic oracle, the same dispute system used by Polymarket, adds a trustless escalation path for when refund requests are ignored or denied in bad faith.

For [EIP-8183](https://eips.ethereum.org/EIPS/eip-8183) agentic commerce jobs, UMA can serve as the evaluator: the independent party that attests whether work should be completed and paid out, or rejected and refunded.

* Buyer-initiated dispute escalation
* Neutral on-chain arbitration
* Automatic payout on resolution

This brings consumer-grade refund protection to x402 payments without requiring either party to trust a centralized arbiter.

## 02. Circle Nanopayments

**Status:** <span style={{ color: "#10b981", fontWeight: 600 }}>Completed</span>

A new x402 settlement path built on top of Circle's [CCTP](https://www.circle.com/cross-chain-transfer-protocol) (Cross-Chain Transfer Protocol). Instead of routing USDC across chains through a bridge, CCTP burns USDC on the source chain and mints native USDC on the destination, giving Meridian a gas-free, capital-efficient cross-chain rail for small payments.

|             | **Default path** | **Circle path**     |
| ----------- | ---------------- | ------------------- |
| Speed       | \< 2s settlement | Batched             |
| Tokens      | Multi-token      | USDC only           |
| Economics   | Fee + cashback   | No fee, no cashback |
| Cross-chain | Across bridge    | Burn & mint         |

Both paths remain **gas-free** for the payer. The new Circle path is optimized for high-frequency, small-dollar agent payments where zero fees and native USDC matter more than cashback.

## 03. mrUSD

**Status:** <span style={{ color: "#EAB308", fontWeight: 600 }}>Planned</span>

Meridian's native USD stablecoin, fully backed and issued via the [M0](https://m0.org/) network. mrUSD brings institutional-grade stability together with on-chain programmability purpose-built for agent-driven commerce.

* EIP-3009 authorization transfers built in
* Onramps, swaps, and cross-chain rails out of the box
* Powers agentic commerce flows natively across the Meridian stack

## Timeline

Q2 to Q4 2026.

Dates are directional. Scope and sequencing may shift as integrations land. The roadmap is intentionally opinionated about *what* ships, less so about *when*.