Meru
Meru · Visa
Data verified on unchanged since the sources
Worth it if you're in Latin America and get paid in dollars from abroad: a USD account with US/EU rails (ACH, Wire, SEPA, SPEI), Visa and 0% Meru-side FX markup.
Avoid it if you reside in Italy or the EU (not usable as a resident account) or you want documented regulatory standing: licensing and oversight are not public.
Meru is a global dollar account built for Latin America: it provides US and European banking rails (ACH, Wire, SEPA, SPEI), a US-issued Visa card, and the ability to hold funds in USDC/USDT stablecoins across networks such as Stellar, Polygon, Base and Tron. The model is non-custodial and targets freelancers and remote workers who get paid in dollars. The virtual card is free, while the physical card costs 5 USD.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Not disclosed |
|---|---|
| Multi-currency | USD, USDC, USDT |
| Network | Visa |
| ATM withdrawal | Free |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | LATAM · 14+ countries |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | Meru is operated by Meru R3mit Solutions Inc., a privately held company based in the United States. It offers USD accounts designed for international use, claims coverage in more than 150 countries, and has 11-50 employees. |
| MiCA / License status | Not disclosed |
Strengths
- Dollar account with US/EU rails (ACH, Wire, SEPA, SPEI) for those getting paid from abroad.
- Non-custodial model with USDC/USDT stablecoins across several networks (Stellar, Polygon, Base, Tron).
- 0% Meru-side FX markup on international purchases and no Meru-side ATM fee.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Availability limited to Latin America; not usable as a resident account in Italy or the EU.
- Regulatory standing and licensing are not publicly documented.
- ATM networks and the card issuer may apply their own fees outside Meru's control.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
A dollar account and Visa card built for Latin America, with US/EU rails to get paid from abroad. Regulatory standing and licensing are not publicly documented: treat it as an operational tool, not an EU-protected account.
Non-custodial model with USDC/USDT stablecoins across several networks (Stellar, Polygon, Base, Tron), a point in favour of self-sovereignty. Full KYC is still mandatory, however, alongside reliance on Visa rails and banking on-ramps.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Meru, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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App Store ↗
4.8/5
1,520 reviews
Exact figure from the iTunes lookup endpoint (US storefront). The rating reflects the whole dollar account/wallet app, not the Visa card alone.
Weighted average across 1 public review platform (1,520 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
What network does the Meru card use?
The Meru card is a US-issued Visa, usable for online, in-store and subscription purchases. The virtual card is free, while the physical card has a one-time 5 USD fee.
Is Meru custodial or non-custodial?
Meru is described as non-custodial and lets you hold funds in USDC/USDT stablecoins across networks such as Stellar, Polygon, Base and Tron. Full KYC is required.
Sources
- Official service page Plans & pricing · Payment network · Stablecoin · Regioni · +1 Data verified on Jun 22, 2026
- linkedin.com Azienda info Data verified on Jun 23, 2026
- thedailypulse.net Paesi num · Supported currencies Data verified on Jun 23, 2026
- portalhq.io Company profile · Regioni Data verified on Jun 22, 2026
Show 1 more source
- todey.xyz Custodial · Kyc · Payment network · Virtual card Data verified on Jun 22, 2026