MERIDIAN GLOBAL FINANCE
9:41
· ASC  ●●●●  100
AC
Good morning, A. Citizen
Current account — available now
£0.00
Your PAM is separate — savings, not spending. See it below.
GBP
£0.00
USD
$0.00
EUR
€0.00
ASC · Aurum Current Account
0 N
Account identifier
Country · Spire hub · branch · account, held via the Ophir Spire network — our own routing, not SWIFT's. Branch is fixed to where the account opened, not the citizen's current address.
Your account
—
—
Payees0
Anyone you have paid before, saved so you never retype an account identifier. Sending to a saved payee uses ECH101, a single customer credit transfer.
Standing orders0
You choose the amount and when it goes. You can cancel it yourself, at any time, without asking anyone. Uses ECHAAA015, the recurring mandate code.
Direct debits0
The organisation sets the amount, not you — which is why each one shows a ceiling you set, and why cancelling is one press. Uses ECH104.
A collection above this is refused automatically, not merely flagged.
Savings & Wallets0
Set money aside, out of easy reach of everyday spending — like Spaces on Starling.
Personal Asset Marker  ·  Protected · Inviolable
0 Nobles
£0
Credit drawn on card, of 75% ceiling
£0 of £0 remaining0 / 0 N
C
Mint CAM
commercial
S
Mint SAM
sovereign
↻
Advance year
+1 yr
My Asset Ledger0
Your own record of what you own — not the back-office chain. Tap any entry for its full provenance.
Money out, this session
£0.00
Money in
£0.00
Where it went0
Statement0
Statements & documents0
Download what you need, when you need it. No waiting for a monthly cycle and no charge for a duplicate.
This period
—
Certificate of balance
Often asked for by landlords, lenders and visa applications.
Monthly statements
Not currently posted — available in the app
Paper statements are posted monthly. Most people do not need them; they are here because some still do.
Your cardActive
BEIT
Aurum
Debit
•••• •••• •••• ••••
A. CITIZEN
Gold-anchored
Spendable
🔒 Freeze card Card is active and can be used
💳 Card number Hidden by default — reveal only when you need it
🌎 Online & overseas payments Allowed
🏦 Cash machine withdrawals Allowed
⚖ Gambling block Blocked — on by default
Every switch here takes effect the moment you press it — no waiting, no phone call. A frozen card can be unfrozen just as quickly, so freezing a mislaid card costs you nothing.
Back office

The Echelon Sovereign Ledger

Every account on the left is a face onto this one ledger. Cash deposited is digitised here; a transfer between citizens debits one statement and credits the other from the same block. Thirteen Ophir Spires co-sign each block — this shows which nine (of thirteen) formed quorum.

Ophir Spires — validator quorum0 / 13
● daytime (real local hour, per Spire's actual timezone)  ·  ● after hours, still online  ·  ● offline — excluded from quorum
fetching… live from the gold market 1 Noble = 0.047424g gold $1.27 · €1.17 per £1
Chain verified — all blocks intact
Rūnstæf self-check: pending first block…

Honest by design: single-node proof-of-concept running the real mechanics from the Meridian documents — gold-weight ASC denomination, safe-draw PAM enforcement, CAM/SAM minting, multi-currency accounts settling to one ledger, and a genuine SHA-256 hash-chained ledger you can tamper-test. The hashing, the safe-draw refusal, and the immutability are real.

Meridian Global Finance is in active development and is not currently authorised to provide banking, deposit-taking, payment, investment management or other regulated financial services in any jurisdiction. This is a demonstration only — no real accounts, funds or customers are involved.

What it is not: the production network. The live Echelon Chain runs across thirteen independently operated Ophir Spires with real Byzantine-fault-tolerant consensus and audited security — the validator strip above illustrates which spires would co-sign, it does not run real distributed consensus in your browser. FX rates shown are illustrative constants, not live market data.

© 2026 Paul Findlay · Meridian Global Finance · Beit & Echelon Network — Demonstrator · Confidential