Mural Pay
MuralPay is a cloud-native FinTech platform enabling enterprises to issue virtual local-currency accounts, generate invoices, and settle cross-border payments instantly using stablecoins and local banking rails, optimizing global vendor and payroll workflows.
Industry
Finance & Insurance
Market Categories
Payments Processing
Business function (Horizontal)
Finance
Headquarters Location
New York City, United States
Product Name
Mural Pay
Parent Company
Mural Technologies
Founder
Sinclair Toffa
Web2vsWeb3
Web 2.5
Access Model
API
Target Users
SMEs, Enterprises
Competitors
Airwallex, MangoPay, Circle’s Payment Platform, Rapyd, Stripe Treasury / Stripe Connect (with stablecoin options), Llamapay, Paystand
Business Function (stablecoins)
Payment Processing, Transaction Settlement, Payment Rail, Wallet Management, Integration Services, Liquidity Provision, User Interface Development
Feature completness
Product differentiation
Global Virtual Accounts: Issuance of named local-currency bank accounts in 40+ countries without local entity setup. Stablecoin-Backed Settlements: Uses USDC (and potentially other stablecoins) as a low-cost bridge to on-off ramps, bypassing correspondent banking. Embedded Compliance Flows: End-to-end KYC/KYB and AML for both enterprises and beneficiaries in a single platform. Unified Invoicing & Payment Rail: Invoice generation, distribution, and immediate payment via stablecoins or local bank rails in one workflow.
Privacy & Data protection certificate
GDPR Compliance
Years in business
3.49
Employees
10-100
Horizontal Applications
Remittances, Settlements, Payment Rail, Liquidity, Payroll & Compensation
Tech stack modernity
Cloud-Native Architecture: Likely hosted on AWS (common for FinTech); supports high availability and scaling. Modern Auth & Security: Uses WebAuthn (passkeys), JWT authentication, and TLS encryption. Microservices & APIs: RESTful API design suggests modular, containerized microservices.
Product Roadmap
No public roadmap provided; “Coming Soon” hints absent; website suggests continued expansion of currency/rail coverage and deeper accounting integrations.
Product Roadmap
No public roadmap provided; “Coming Soon” hints absent; website suggests continued expansion of currency/rail coverage and deeper accounting integrations.
API Quality
Production-Ready
Documentation Link
Enterprise readiness
Moderate - Robust API, global virtual accounts, invoicing, and compliance flows indicate strong integration and scaling potential; however, absence of published SLAs and formal security certifications (SOC2/ISO) introduces risk for mission-critical deployments.
Security & Compliance Readiness
Data Encryption (TLS/AES-256): Standard in transit and at rest. MFA & Passkeys: Modern authentication mechanisms for user accounts. KYC/KYB & Transaction Monitoring: Built-in compliance workflows. GDPR Compliance (Implied): Privacy policy references data protection for EEA users. Certifications: Not specified (no SOC2, ISO 27001, or PCI DSS references).
Documentation quality assessment
Covers basic usage and authentication; lacks exhaustive parameter definitions and code samples for certain endpoints.
Support Methods
Channels: Support form (via website), email (not explicitly listed but implied), and “Contact” page. Responsiveness: Not specified; no published average response times. SLAs: Not disclosed.
Critical capabilities
Stablecoin Integration: Supports USDC on multiple chains for payment origination. Multi-Currency Support: Provides virtual accounts in 40+ currencies and rails to 170+ countries. API-First Architecture: RESTful APIs with bearer-token authentication for integration. Real-Time Settlement: Instant or same-day settlement via combined on-chain/off-chain infrastructure.
Support & Account Management
Channels: Support form (via website), email (not explicitly listed but implied), and “Contact” page. Responsiveness: Not specified; no published average response times. SLAs: Not disclosed.
51 Score™
429.17
Product & Service
40.0
Stability & Maturity
46.7
Technology & Innovation
25.0
Enterprise Readiness
60.0
Categorization
Founder
Sinclair Toffa
Parent Company
Mural Technologies
Market category
Payments Processing
Target Users
SMEs, Enterprises
Top competitors
Airwallex, MangoPay, Circle’s Payment Platform, Rapyd, Stripe Treasury / Stripe Connect (with stablecoin options), Llamapay, Paystand
