Connect your bank to the wallets and exchanges your customers already use — 300+ of them — through one integration. Verify ownership before funds move, and accept crypto and stablecoin deposits in your preferred asset.
Customers want to fund accounts with the crypto they hold on exchanges and in wallets. For a bank, every deposit raises the same questions: who controls the source, will the transfer complete, and can compliance stand behind it.
A transfer from a self-hosted wallet proves nothing about who controls it. Regulators expect that proof — the requirement Travel Rule and MiCA formalize — and without it, every deposit means manual review and compliance exposure.
Customers copy wallet addresses by hand, switch to external tools, and pick networks themselves — inviting wrong-network sends, address-poisoning attacks, and lost funds your support team has to chase.
Reaching customer funds means integrating each wallet and exchange individually — engineering overhead that compounds with every new platform, token, and network.
The customer connects a wallet or exchange account in your own deposit flow — no external tools, no copied addresses. One API links your institution to 300+ wallets and exchanges, and keeping pace with every platform's API changes becomes Mesh's job, not your engineering backlog.
Before any crypto moves, the customer proves they control the source. Self-custody wallets verify through user attestation: the customer signs a one-time challenge message, producing cryptographic proof of control. Exchange accounts verify through authenticated connection. Every verification produces an auditable record your compliance team can keep.
Mesh's funding engine, SmartFunding™, combines balances within the connected account, converts any supported asset, and validates network and asset before anything moves. The deposit arrives in your preferred asset, with funds moving directly from source to destination — completed instead of failing.
Banks bringing digital assets into a regulated environment use Mesh to verify wallet ownership before deposits clear — inside their own banking experience, with an audit record for every transfer.
Wealth and brokerage platforms launching crypto use Mesh to let clients move holdings off external exchanges and into their accounts — ownership verified at transfer, without manual address work.
Retail and digital banks add embedded crypto funding without redirects, copied addresses, or network-selection errors — a deposit experience that feels native to your platform.
Business banking platforms serve owners who hold value across traditional and digital accounts — ownership verified at the point of deposit, settling into the asset you designate.
Wallet ownership verification isn't only about trust — it's proof at the moment funds move, defensible to regulators and aligned with what transfer-compliance regimes ask for.
Most crypto controls run after funds land. Mesh moves the check before transfer — reducing fraud exposure and manual review burden, with an auditable link between a wallet and a customer your institution has KYC'd. Mesh verifies the wallet; identity verification stays with your own KYC process.
The EU's Transfer of Funds Regulation requires institutions to assess whether a self-hosted wallet is owned or controlled by their customer for transfers above €1,000, and the US Travel Rule imposes parallel obligations — both implementing FATF Recommendation 16, the standard FATF-aligned jurisdictions worldwide follow. Verified deposits generate that evidence at the point of transfer, not after the fact.
Every verification produces a record your regulator can inspect. For wallets: the address, signed message, signature hash, and timestamp. For exchange accounts: the verified account identity returned from the platform, matched to your customer.
Not legal or compliance advice. This page describes how the capability works and the regulatory context it maps to. Requirements vary by jurisdiction and institution; validate against your own compliance and legal review.
Move to production in weeks through modular API and SDK integrations, with white-glove technical support from sandbox to deployment.
Eliminate the burden of managing fragmented APIs — Mesh handles protocol, connectivity, and compliance evolution as the ecosystem changes.
Built to handle billions in volume with 99.9% uptime, on infrastructure already serving regulated financial platforms.
AMINA Bank, the Swiss FINMA-regulated crypto bank, integrated Mesh for verified deposits — connecting its clients to hundreds of wallet providers directly inside its online banking platform, with ownership verified before deposits move.
Announced July 2026
It's the coordinated set of functions — connectivity, identity verification, and routing and asset conversion — that lets a regulated institution offer crypto and stablecoin capabilities through one integration, rather than operating exchange, wallet, and chain infrastructure end to end. Mesh delivers this as an operating layer between your platforms and the external digital asset ecosystem.
For a self-custody wallet, the customer verifies through user attestation: they sign a one-time challenge message, producing cryptographic proof of control. The record returned includes the address, signed message, signature hash, and timestamp. For an exchange account, the customer authenticates the connection and the bank matches the account against a customer it has already identified through its own KYC process.
User attestation is how a customer proves control of a self-custody wallet: they sign a one-time challenge message, producing cryptographic proof of ownership — verification completes in seconds, without interrupting the deposit. Learn more about Mesh's verification solution.
Every verified deposit produces an auditable link between a wallet and an identified customer at the point of transfer — the kind of evidence the EU's Transfer of Funds Regulation, the US Travel Rule, and FATF Recommendation 16 ask for. Mesh verifies the wallet; identity verification stays with your institution's KYC process. Requirements vary by jurisdiction; validate against your own compliance review.
Mesh's network spans 300+ wallets and exchanges — major exchange accounts like Coinbase and Binance, and self-custody wallets like MetaMask and Phantom — across 120+ tokens and 24 networks.
Because every wallet and exchange is a separate integration with its own API, auth model, and breaking changes — and the maintenance never ends. Mesh collapses that into one interface, reaching the long tail of platforms a bank would never prioritize building itself, with time-to-market measured in weeks rather than quarters.
The customer connects a wallet or exchange account in your deposit flow, ownership is verified, and SmartFunding™ combines available balances, converts any supported asset into your institution's preferred asset, and routes the deposit — so it completes even when no single balance covers the full amount.
One integration. Verified ownership. Deposits in your preferred asset.
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