Meridian: Autonomous LC Intelligence

Meridian is an autonomous Letter of Credit intelligence platform that transforms global trade finance. Letters of Credit govern $2.3 trillion in annual cross-border trade across 175 countries under the UCP 600 framework (WTO), yet LC issuance takes 5–21 days of manual bank review with a 60–80% first-presentation rejection rate (ICC Banking Commission). A single shipment involves up to 50 documents exchanged between 30 stakeholders, only 1–2% handled digitally. Meridian solves this with 9 AI agents orchestrated via LangGraph and powered by Gemini 3 Flash. Three intelligence agents analyze applicant documents in parallel — Importer Intelligence for credit scoring and financials, Exporter Intelligence for counterparty risk and export history, and Trade Intelligence for sanctions screening and HS code validation. Their outputs feed into Risk Synthesis for unified risk scoring, UCP 600 Compliance which checks 27 articles plus 6 eUCP v2.1, and LC Generator — which produces a human-readable LC document, a production-ready SWIFT MT700 banking message, and an Officer Decision Brief. The entire issuance pipeline completes in approximately 90 seconds. Three additional examination agents then verify presentation documents field-by-field against issued LC terms, catching discrepancies like HS code misclassifications (8457.10 vs 8459.61) and insurance under-coverage (UCP 600 Article 28) before the bank ever sees them. Gemini's 1M token context window is architecturally essential — all documents are analyzed in a single pass with no chunking, enabling cross-document synthesis that catches issues spanning multiple documents simultaneously. $9.7T addressable market, $2.5T unmet trade finance gap (ADB 2025), zero AI competitors in LC intelligence.