# Mural Pay

> Global accounts, realtime payments, one API

Mural Pay is a stablecoin payments infrastructure provider for the Americas. It helps platforms, fintechs, banks, and marketplaces send and receive cross-border payments through stablecoin and traditional banking rails.

Mural Pay is a financial infrastructure company that provides stablecoin-based payment rails for global businesses. It offers an application programming interface and platform that let companies store funds, send payouts, accept pay-ins, convert currencies, and access virtual accounts. The company positions its offering as programmable money movement for platforms, fintechs, and banks operating across borders.

The platform addresses the complexity of cross-border settlement by combining stablecoin transfers with local banking rails, allowing funds to move quickly between currencies while routing and compliance checks are handled automatically. Businesses can generate yield on stored balances and access dedicated multi-currency accounts without obtaining their own licensing or building a compliance program. Mural Pay is regulated as a money transmitter in the jurisdictions where it operates.

Its core offerings span account infrastructure, payouts, pay-ins, and treasury tools, used by fintechs building white-labeled financial products, marketplaces and e-commerce platforms settling with merchants and vendors, banks issuing stablecoin-linked accounts, and companies running global contractor and payroll payments. The service is used by businesses across the Americas seeking faster and more programmable alternatives to traditional cross-border banking.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2022-01-01
- Profile: https://thegrid.id/profiles/mural_pay

## Products

- [Mural Pay Platform](https://thegrid.id/profiles/mural_pay): Mural Pay Platform is a payment network providing cross-border payment infrastructure that combines stablecoin and traditional fiat rails. It enables businesses to store balances, send and receive payments, convert currencies, earn yield on idle funds, and manage compliance through a single interface or API. Fintechs, marketplaces, banks, and payroll providers use it to launch multi-currency accounts, stablecoin wallets, and payout flows without building their own regulatory infrastructure. (Payment network, Live, Main Product)

## Links

- [Main](https://www.muralpay.com)
- [Documentation](https://developers.muralpay.com)
- [Blog](https://www.muralpay.com/blog)
- [Privacy policy](https://muralpay.com/legal/privacy)
- [Terms of Service](https://muralpay.com/legal/platform-terms-of-service)
- [Media Kit/branding](https://muralpay.com/branding)
- [Twitter / X](https://x.com/mural_pay)
- [LinkedIn](https://linkedin.com/company/muralpay)
- [Instagram](https://www.instagram.com/mural_pay)

## Legal

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP