When your system accuses someone of a shortfall, you need absolute certainty.
Treasury infrastructure that proves itself.
Measure
Phantom shortfalls destroy lives. A duplicate transaction, a race condition, a network retry counted twice — and someone faces an accusation they cannot disprove.
Every position recorded with atomic audit trails. Parent-child transaction lineage preserved. Idempotent operations mean the same request twice produces the same result once. The accused can demand proof — and get it.
Value
Value doesn't always look like currency anymore. Energy credits, carbon offsets, compute resources, agricultural commodities — the economy runs on assets that traditional ledgers can't handle.
Multi-asset architecture handles kilowatt-hours, tonnes of CO2, and commodity units with the same rigour as pounds and euros. Proper dimensional typing prevents nonsense calculations. One system, any asset class.
Settle
When settlement fails, it cascades. Livelihoods depend on money arriving when promised, not stuck in a partial state that requires manual intervention.
Lien-based fund reservation guarantees availability before commitment. Saga orchestration with automatic compensation — if anything fails, the system unwinds cleanly. Settlement completes or reverts. No orphaned debits.
Why Trust It
When funders ask "where did the money go?" — show them. When regulators examine your systems — invite them into the code. When your board asks how capital flows — give them the transaction path. Transparency becomes your competitive advantage.
Meridian is infrastructure you actually own. BIAN-compliant architecture means your team speaks the same technical language as the world's largest banks. Kubernetes-native, horizontally scalable, built for growth. Every deployment builds institutional expertise that stays with you. Full sovereignty. Open access. Verify everything.
How a Payment Flows
sequenceDiagram
participant Client as Your System
participant Meridian as Meridian
participant Bank as Payment Network
Client->>Meridian: 1. Initiate Payment
Note over Meridian: Validate & Reserve Funds
Meridian->>Meridian: 2. Record Position
Meridian->>Bank: 3. Execute Payment
Bank-->>Meridian: Confirmation
Meridian->>Meridian: 4. Post to Ledger
Meridian-->>Client: 5. Complete ✓
Note over Client,Bank: If anything fails, automatic rollback
4 BIAN service domains • Event-driven • Saga orchestration • Full audit trail
Why I Built This
I've been inside the machine. Technical architect roles in investment banking and treasury, where I saw hedge fund accounting run on dozens of tables crammed into a single schema. Where eight-figure budgets and multi-year timelines delivered single features.
I've seen what enterprise banking infrastructure looks like when it's done right. Real-time. Programmable. Auditable. Beautiful. But it was built for institutions with seven-figure budgets. So I'm building the open version.
We believe in Physics, not Probabilities.
AI is Probabilistic
It hallucinates. It guesses. It is "mostly right."
Finance is Deterministic
It must be exact. It must balance. It is "never wrong."
You cannot audit a probability. You can only audit a constraint.
Meridian is built on Deterministic Constraints.
Trust infrastructure shouldn't be a privilege.
The same system that serves a multinational bank
should serve a village savings group.