Your customers pay in seconds. Your bank takes four business days. We thought that was weird too, so we built Melon, the stablecoin neobank for businesses that refuse to ask "is it Monday yet?"
Wire fee
$45
$0
A customer in Lagos pays you on Saturday. Your supplier in Berlin wants their wire on Tuesday. Your contractor in Manila waits five days for a transfer that somehow costs forty dollars and requires a phone call to someone named Brian.
Your software runs on the internet. Your money runs on fax machines from 1973. We can fix all of these.
Accounts
USD accounts that don't care which passport you have. No US entity, no $25 minimum, no monthly 'maintenance' fee for doing literally nothing.
Payments
Pay vendors, contractors, and payroll in stablecoins or local currency. Most transfers land before the recipient finishes reading 'pending'.
Cards
Virtual and physical Visa cards with controls, receipts, and Slack alerts. Yes, you can finally block that one SaaS subscription nobody admits to.
Yield
Idle balances earn treasury-grade yield, backed by short-duration US Treasuries. Compounds while you're in standup.
International wire
✕ Traditional
3–5 business days · $25–45 · phone call
✓ Melon
~2 seconds · $0 · just vibes
Account opening
✕ Traditional
2–6 weeks · notarized everything
✓ Melon
Same day · online · zero faxes
Weekend transfers
✕ Traditional
Sorry, please come back Monday
✓ Melon
Saturday 3am? Sure.
Idle cash yield
✕ Traditional
0.01% (a rounding error)
✓ Melon
Up to 5.2% APY
Multi-currency
✕ Traditional
Email the FX desk. Wait.
✓ Melon
30+ currencies, native
Customer support
✕ Traditional
Hold music · 47 minutes
✓ Melon
Real human · under 4 mins
A short application, incorporation docs, who owns it, what you do. Most teams finish before the kettle boils.
Our compliance team reviews your application in hours, not weeks. No 'we'll get back to you in 6–8 business months'.
Fund from any bank, exchange, or wallet. Start sending, spending, and earning the moment it lands. Pop the seltzer.
Most teams are sending their first payment within the same day.
No legacy bank has ever said that.
Bank in dollars from anywhere. Raise, spend, and pay without playing the country-of-incorporation lottery.
Run payroll across 70+ countries. Contractors get paid in seconds, in their currency, with zero email threads.
Move freely between fiat and on-chain. The bridge that finally feels like a bank, not a science project.
We replaced three banks and a payroll provider with one Melon account. Our CFO cried (happy tears).
COO, Northbound Labs
Payroll for 40 contractors in 18 countries takes me about four minutes. I used to budget a whole afternoon.
Founder, Cardinal Studio
Our supplier was paid before the call ended. He thought I was joking. I was not joking.
Finance lead, Mira Goods
Issued with licensed money transmitters and regulated stablecoin issuers. Lawyers, plural. The good kind.
Every dollar is backed 1:1 by cash and short-duration US Treasuries. Attested monthly by people in suits.
Your balance lives in segregated accounts. It belongs to you, never to us, never to our balance sheet.
Melon is a financial technology company, not a bank. Banking services are provided through our regulated partners; stablecoin custody is handled by licensed issuers and custodians.
We support major regulated USD stablecoins including USDC and PYUSD, with EURC for euro balances. You never have to touch a wallet, we handle the rails for you.
Registered businesses in 90+ countries. We can onboard sole traders, LLCs, C-corps, and incorporated startups. Personal accounts are not supported today.
When you send to a local bank account, we convert from your stablecoin balance to the destination currency at mid-market rates and settle via our local partner network.
Opening an account is free. There are no monthly fees and no wire fees. We charge a small spread on FX conversions and a flat fee on card spend, all transparent in your dashboard.
Give it a job. Open a Melon account and put your dollars on rails built for the next century, not the one with floppy disks.
No credit card. No spam. We reply within 24 hours.