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Meridian is a layer built on top of Coinbase’s infrastructure that introduces proxy facilitator architecture for x402 payments. Unlike direct wallet-to-wallet transfers, Meridian routes payments through a facilitator that settles same-chain transfers immediately, tracks fees onchain, and supports cross-chain execution where needed.

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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 facilitator settlement 
Payer Wallet → Meridian Facilitator → Settlement / Bridge → Recipient
This enables:
  • Organization-scoped payment management with multi-user access
  • Same-chain instant settlement through the facilitator
  • Onchain fee accounting for platform and treasury balances
  • Cross-chain routing through Across when required
  • Enhanced security with organization-scoped access control

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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 facilitator-based settlement 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 facilitator-based settlement and multichain execution.

Facilitator Settlement

Proxy-mediated payment settlement with onchain accounting and relayed execution.

Built-in Fee Management

Platform and treasury fee accounting handled inside the facilitator.

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.