Meridian is the advisor operating layer above custody rails, built for the fiduciary who needs to see, protect, and transfer household digital assets without acting as a custodian.
Your daily on-chain intelligence digest. Meridian surfaces what matters across every household before your first call, drawn from disclosed digital asset accounts and on-chain data, not custodian feeds.
The Meridian Inheritance Protocol (MIP) is workflow and recordkeeping infrastructure that ensures self-custodied digital assets are never lost at death, complementing estate documents, trusts, and counsel without replacing them.
Meridian orchestrates third-party identity, source-of-funds, sanctions, and provenance screening into your advisor workflow so you're ready when FinCEN's investment-adviser AML rule takes effect January 1, 2028.
The problems Meridian was built to solve: gaps that exist right now in every practice serving clients who hold or ask about digital assets.
For the first time, registered investment advisers will be required to implement formal AML/CFT programs under the Bank Secrecy Act. For advisors serving clients who hold digital assets, this creates a compliance surface that most current tech stacks were never built to address.
"This is exactly the tool I've been asking for. My clients bring up digital assets in every review meeting and I have no visibility into what they actually hold."
"The inheritance piece is the gap nobody talks about. I have clients with significant self-custodied BTC and absolutely no plan for what happens to it. This solves a real problem."
"I wasn't aware of the FinCEN rule until this conversation. The fact that Meridian is designed around compliance readiness for 2028 makes the timing exactly right."
The answers here before your first call.
No, and this distinction is foundational. Meridian is the operating layer above custody rails. We never hold, control, or access your clients' digital assets. Your clients keep their assets exactly where they are: in their own digital asset accounts, on exchanges, or with their existing custodians.
Meridian surfaces visibility, workflow, and compliance readiness from disclosed information and on-chain data. Nothing moves. Nothing transfers. We work from what your clients voluntarily share with you as their advisor.
No. Meridian requires nothing from your clients except what they already share with you in the normal course of a fiduciary relationship: disclosed digital asset account details and exchange statement information.
There is no new app for clients to download, no account to create, and no assets to transfer. We build visibility from on-chain data, not from platform integrations or custodian API feeds that require client action.
MIP is workflow and recordkeeping infrastructure, not a legal document. It captures the information attorneys, trustees, and executors will need to locate and access self-held digital assets: digital asset account details, exchange statements, access protocols, and beneficiary intent.
MIP complements wills, trusts, and estate plans rather than replacing them. It fills the gap those documents leave: they say who should receive the assets, but provide no guidance on how to actually find and access them. MIP solves that problem while keeping advisor-held records aligned with the legal structure your client already has in place.
The FinCEN investment-adviser AML/CFT rule, effective January 1, 2028, subjects registered investment advisers to the Bank Secrecy Act for the first time. The rule requires advisers to:
1. Establish a written AML/CFT program: including internal policies, procedures, controls, and a designated compliance officer.
2. Implement a Customer Identification Program (CIP): identity verification and ongoing due diligence, including source-of-funds documentation.
3. File Suspicious Activity Reports (SARs): detect and report transactions that may involve money laundering, fraud, or sanctions violations.
4. Maintain required records: documentation available to FinCEN and law enforcement on request.
For advisors serving clients who hold or ask about digital assets, these requirements create a meaningful new compliance surface. Meridian is designed specifically to address that surface at the advisor layer. Consult qualified legal counsel regarding your specific compliance obligations.
Meridian is not an account-aggregation tool and does not depend on custodian or platform feeds. It works from what advisors and clients disclose and from on-chain data, and complements and can integrate with existing planning, CRM, and estate tools.
Account aggregation tools depend on custodian and platform data feeds: they need exchange APIs, screen-scraping credentials, or linked accounts to pull data. That means they only see what custodians choose to surface, and they create dependency on platform relationships your clients may not have or maintain.
Meridian works differently. We derive visibility from disclosed digital asset accounts and public on-chain data, not from custodian feeds. Your clients disclose what they hold directly to you as their advisor, exactly as they would with any other asset class. We build the operating layer from there, independent of exchange relationships or platform access.
Meridian is in active development. We are building with a cohort of design-partner advisors whose real-practice feedback is directly shaping the platform. This is deliberate: a tool built for advisors should be built with advisors.
Request early access below to be considered for the initial advisor cohort. Design partners receive priority access, direct input into the product roadmap, and early pricing.
Meridian was founded by a practicing wealth advisor with 20+ years of client experience because only someone who has lived the gap could design the right answer for it. We are advisor-first and non-custodial by design, purpose-built for the fiduciary operating layer, nothing else.
20+ years as a practicing fiduciary wealth advisor. Dave built Meridian because he experienced the digital asset visibility gap firsthand and recognized that no existing tool was designed for the advisor layer above custody rails.
Meridian is in active development. Request early access and be among the first advisors to shape the platform as a design partner.
Submissions go directly to the Meridian team. No spam. Advisor-only access.