1. Terms of service
These Terms of Service govern access to and use of the Meridian Treasury Protocol, the Meridian SDK, the Meridian HTTP API, and the operator console (collectively, the "Services"). The Services are operated by Meridian Treasury Ltd. (Cayman Islands) and its affiliates (collectively, "Meridian").
By using the Services you agree to these terms. If you are using the Services on behalf of an entity, you represent that you have authority to bind that entity. The Services are made available solely to entities and individuals that have been onboarded to a Meridian workspace under a separate written engagement; nothing on this site constitutes a public offer of services.
1.1 Non-custodial relationship
Meridian does not custody client funds. Funds remain in the client's multisig wallet at all times. No instruction with monetary effect executes without the client's multisig authorization. Meridian's role is limited to constructing, broadcasting, and reconciling instructions that the client has authorized.
1.2 Service availability
The Services are provided on a commercially reasonable best-efforts basis. Meridian publishes a public status page at status.meridian.fi and notifies workspace administrators of material incidents. The Services are not warranted against all forms of network, RPC, oracle, or counterparty failure; the protocol's safety properties are limited to what is enforced by contract logic and multisig authorization.
1.3 Client responsibilities
Clients are responsible for maintaining custody of their multisig signing keys; for ensuring authorized personnel are granted appropriate role-based access in the console; for the accuracy of counterparty information they submit; and for tax, accounting, and regulatory treatment of transactions they execute through Meridian.
1.4 Limitation of liability
To the maximum extent permitted by law, Meridian's aggregate liability arising from the Services is limited to the fees paid by the client to Meridian during the twelve months preceding the event giving rise to liability. Meridian disclaims indirect, consequential, special, and punitive damages. Nothing in these terms limits liability that cannot be limited under applicable law.
2. Acceptable use
You may not use the Services to facilitate, conceal, or process transactions involving sanctioned persons, sanctioned jurisdictions, the proceeds of crime, or human-trafficking-related activity. You may not attempt to circumvent counterparty screening, KYB, or sanctions controls. You may not use the Services to interfere with or disrupt the integrity of the protocol, the network, or the Services themselves.
Meridian uses Chainalysis KYT for sanctions and address screening, Sumsub for entity-level KYB, and Notabene for travel-rule compliance on transactions above the applicable threshold. Counterparty screening is enforced at the protocol layer; instructions to unscreened or sanctioned counterparties will not settle.
3. Privacy notice
Meridian collects and processes personal data only to the extent necessary to provide the Services and meet regulatory obligations. The lawful bases for processing are contractual necessity, legitimate interest (for security and fraud prevention), and legal obligation (for AML/KYB).
3.1 Categories of personal data
- Identity data (name, role, work email) of authorized workspace users.
- Counterparty contact data submitted by the client during counterparty registration.
- Authentication data (API keys, device fingerprints, hardware-key public identifiers).
- Audit data (signed action logs, instruction histories, on-chain transaction references).
3.2 Sub-processors
Meridian's sub-processors are listed in the Meridian DPA, available on request. The current sub-processor stack includes infrastructure (AWS, Cloudflare), screening (Chainalysis, Sumsub, Notabene), custody co-signing (Fireblocks), and observability (Datadog). Material changes to the sub-processor list are notified via the workspace at least 30 days in advance.
3.3 Retention
Audit and instruction data are retained for the period required by applicable AML/financial-services regulation in each jurisdiction in which Meridian operates — typically seven years from the date of the relevant transaction. Authentication data is retained until 90 days after revocation. Identity data is retained for the duration of the workspace relationship plus retention periods imposed by law.
3.4 Cross-border transfers
Personal data may be transferred between the operating entities of Meridian (Cayman, Delaware, Estonia) and to sub-processors located in the United States and the European Economic Area. Transfers are protected by the EU Standard Contractual Clauses and equivalent mechanisms.
4. Cookies & tracking
The Meridian marketing site (meridian.fi) uses a single first-party cookie for session continuity and a privacy-respecting analytics tool that does not set persistent cookies and does not transmit IP addresses. The operator console (console.meridian.fi) uses session cookies necessary for authentication and CSRF protection only. Meridian does not use ad-network tracking cookies, social-media pixels, or third-party fingerprinting.
5. Data subject rights
Where you have rights under the GDPR, UK GDPR, CCPA/CPRA, or equivalent regimes, Meridian honors them. Specifically: the right of access, the right of rectification, the right to erasure (subject to AML retention obligations), the right to restrict processing, the right to data portability, and the right to object to processing on legitimate-interest grounds.
To exercise these rights, write to legal@meridian.fi. We respond within 30 days and verify identity before disclosing data. Where erasure conflicts with AML retention obligations, we will explain the conflict and the residual retention period.
6. $MRD — token disclosures
$MRD is a network-utility asset issued on TON as a TEP-74 jetton. Total supply is fixed at 1,000,000,000 with mint authority revoked. $MRD is not a security, a deposit, an investment contract, a managed-investment scheme, or a claim on the assets of any operating entity of Meridian.
$MRD is not offered or sold in any jurisdiction in which its issuance or distribution would be unlawful. $MRD is not intended for purchase by U.S. persons under Regulation S of the U.S. Securities Act of 1933, as amended. Participation in the community airdrop is conditioned on the participant not being resident or located in a sanctioned jurisdiction or an excluded jurisdiction listed in the airdrop terms.
Past returns from protocol fee distribution are not indicative of future returns. Forward-looking statements regarding fee distribution, vesting, audits, and listings are subject to change as the protocol matures and undergoes additional review. Holders should consult their own tax and legal advisors. Nothing on this page or any Meridian property constitutes an offer to sell or a solicitation to buy any security or financial product.
7. Jurisdictional notice
The Services are operated from multiple jurisdictions. Specific operating entities and their roles:
- Meridian Treasury Ltd. — Cayman Islands. Protocol issuer; CIMA-acknowledged virtual asset service provider.
- Meridian Operations Inc. — Delaware, United States. Operations, engineering, US-facing relationships. Not a money transmitter; fiat-rail services are provided through licensed third-party partners.
- Meridian Treasury OÜ — Tallinn, Estonia. EU-facing operations; MiCA-aligned posture.
Meridian is not currently authorized to provide regulated financial services to retail consumers in any jurisdiction, and the Services are made available exclusively to onboarded business clients. The protocol may be unavailable to clients in jurisdictions where its operation would be unlawful.
8. Changes to these terms
Material changes to these terms are notified to workspace administrators in advance, via the workspace and via the email address on file. Non-material changes (typo fixes, clarifications) are reflected by an update to the "Last updated" timestamp at the top of this page. The current version is always the version posted at meridian.fi/legal.
9. Legal contact
For data subject requests, legal process, regulatory inquiries, and partner contracting, write to legal@meridian.fi. Postal addresses for the operating entities are listed at contact.html.
© 2026 Meridian Treasury Ltd. All rights reserved. "Meridian," the "M" wordmark, and "$MRD" are trademarks of Meridian Treasury Ltd. Use of these marks without written permission is not authorized except as provided in the press kit at press.html.