Overview, Use Cases & How to Contact Sales

What is Mural Pay?

Global Accounts. Realtime Payments. One API.

Mural Pay is enterprise stablecoin infrastructure for platforms, fintechs, and banks building the future of money. Deploy accounts, wallets, and payments powered by stablecoins—and go live in weeks, not months.

How Mural Moves Money

Mural Pay handles every stage of money movement through six core capabilities:

• Store — Hold balances in stablecoins and USD, all in one place. Full control over your funds with instant access.

• Send — Move money across borders in the recipient's preferred currency. Real-time tracking and fast settlement.

• Receive — Accept payments from anywhere with dedicated accounts. Mural handles routing and FX so funds land ready to use.

• Convert — Swap between currencies at market-leading rates with full transparency. No hidden fees.

• Earn — Generate yield on stored balances. Put idle funds to work.

• Comply — KYC/KYB, transaction monitoring, and sanctions screening built in. No need to acquire separate licensing or build your own compliance program.

Products

Mural Pay offers different ways to access its infrastructure, depending on how you want to build.

Platform

The Mural Pay Platform (app.muralpay.com) is a dashboard that lets businesses manage accounts, payments, and treasury directly—no code required. Store USDC, USDT, and USD balances, send and receive payments, convert currencies, and monitor transactions in real time, all from one interface.

Best for: teams that need operational control over their finances without API integration.

API

The Mural Pay API (developers.muralpay.com) is a developer-first set of endpoints that lets you programmatically build payment flows, launch accounts, and automate money movement inside your own product.

Best for: companies that want to embed payments into their own platform, automate treasury workflows, or build financial products on top of Mural's infrastructure.

White-Label

White-labeling lets fintechs and platforms embed Mural Pay's infrastructure under their own brand and UX. Your end users interact entirely with your product—Mural operates as the invisible layer underneath: accounts, compliance, local rails, and FX included.

Best for: fintechs building financial products for their own customers (e.g., launching stablecoin wallets, USD accounts, or cross-border payouts as part of their own offering).

First-Party vs Third-Party Payments

Mural supports two fundamental payment models:

First-party payments are transactions where you move your own money — paying a vendor, funding your treasury, or distributing payroll from your Mural account to recipients. The Mural organization making the payment is the account holder.

Third-party payments are for platforms that move money on behalf of their own clients. Mural supports a parent/child organization model (Managed Organizations) where each client has its own isolated KYC/KYB, accounts, and transaction history—fully separated from other clients on the platform.

Who Can Use Mural

Mural Pay is invitation-only. We work with fintechs, neobanks, marketplaces, banks, global payroll platforms, and enterprises that move money at scale.

For details on supported countries and payment rails, see: Supported Payment Routes

To request access or discuss your use case, fill out the contact form at muralpay.com/contact or reach out to [email protected]. The team typically responds within 1–2 business days.

Already a partner? Log in at app.muralpay.com