Merso Launches AI Lending for Web3 Games

Merso has confirmed its public launch after two years in stealth, introducing an AI-powered lending platform for digital assets with an initial focus on Web3 gaming. The Palo Alto startup reports a $3 million dollar seed round, a go-live date of August 1, 2025, and an underwriting model that evaluates risk at the asset level rather than the borrower.

Merso Launches AI Lending for Web3 Games

About Merso

Merso is an AI-powered lending and payments infrastructure for digital assets, built to plug into Web3 games and tokenized marketplaces. It functions as a checkout layer that offers flexible, interest-free installments on high-value items, with players paying half up front and completing four weekly payments.

From Stealth to Adoption

Founded in August 2023, Merso completed a two-year build and is now available to partners. The company says more than fifty Web3 studios and publishers are already whitelisted for integration. According to results shared with partners, flexible payments on higher ticket digital items have produced up to a forty percent increase in conversion and a lift of more than sixty percent in average transaction size. Studios receive the full purchase amount at the point of sale, while Merso manages repayment and operations, which allows teams to improve monetization without expanding internal risk or compliance functions.

Merso Launches AI Lending for Web3 Games

A New Model for Digital Asset Lending

The platform centers on M-Brain, an AI engine trained on millions of transactions, wallets, and asset behaviors. Instead of running conventional credit checks, M-Brain generates real time, asset level risk scores that consider factors such as volatility, liquidity, and market activity. Loan to value ratios and repayment settings adjust dynamically based on these signals, which is intended to reduce defaults and stabilize portfolio performance.

Integration is positioned as a straightforward drop in through API or iFrame, with software development kits planned for common game engines. The company emphasizes adherence to U.S. and EU standards and designs its architecture so that studios can adopt flexible payments without rewriting smart contracts or marketplace code.

How Merso Works

At checkout, a user pays fifty percent of the item price and completes four weekly installments that are interest free. The studio is paid in full immediately, while Merso assumes credit, operational, and compliance responsibility for the lifecycle of the transaction. Because underwriting sits at the asset level, the scoring can tighten during volatile market periods or relax when liquidity improves.

The approach mirrors the simplicity of buy now pay later, yet ties risk controls to on chain behavior rather than to a borrower’s historical credit file. For players, the benefit is access to high value items without traditional friction. For studios, the benefit is higher conversion and average order value without additional balance sheet exposure.

Merso Launches AI Lending for Web3 Games

Strategic Outlook for Web3 Integration

Merso describes itself as infrastructure for digital economies beyond games, including tokenized platforms and digital marketplaces. Gaming offers a natural proving ground due to frequent transactions and transparent pricing. The key variables to track as integrations scale include repayment performance across cohorts, consistency of the asset level risk scores during sudden price moves, and the clarity of recovery processes when assets are liquidated. If M-Brain maintains accuracy under heavier volumes, studios could standardize this checkout option for premium items without altering core economies.

Final Thoughts

Merso’s launch brings an asset centric lending layer to Web3 commerce. The company seeks to raise conversion, increase average transaction size, and remove operational risk for studios while giving players flexible, interest free installment options. Independent results over the next quarters will determine whether the model scales across genres and market conditions, but early partner interest and the compliance stance suggest a credible entry in gaming payments and digital asset finance.