Embedded Crypto Payment Infrastructure

Mural Pay's Payments API provides comprehensive developer infrastructure enabling businesses, fintechs, and platforms to accept cryptocurrency and stablecoin payments from end customers without building complex payment systems from scratch.

Payment Collection Capabilities

The platform enables merchants to accept payments through local payment rails (PIX, SPEI, ACH, SEPA) and direct stablecoin deposits (USDC, USDT, PYUSD). Incoming funds are automatically routed through optimal channels and can convert to stablecoins upon receipt for instant liquidity. This eliminates the need for merchants to establish separate payment processing relationships in each market.

Multi-Currency & Stablecoin Support

Businesses can accept payments in over 20 currencies including USD, EUR, CNY, and major Latin American currencies (MXN, BRL, COP, CLP, ARS, PEN, BOB, CRC, DOP, UYU). Stablecoin acceptance spans USDC, USDT, and PYUSD across multiple blockchain networks. The platform handles currency display, conversion rates, and payment method routing automatically based on customer geography.

Embedded Finance Integration

The API architecture enables seamless integration into existing applications, allowing businesses to offer payment acceptance directly within their user experience. Marketplaces can enable instant buyer payments, SaaS platforms can accept crypto subscriptions, and e-commerce sites can offer stablecoin checkout options without external redirects. The modular design allows integration of only the specific payment capabilities needed.

Invoicing & Checkout Experience

Merchants can generate multi-currency invoices and payment links with professional hosted checkout pages. When customers receive payment requests, they see locally relevant payment options optimized for their region. The platform automatically handles currency conversion, payment routing, and settlement into the merchant's Global Stablecoin Account with 95% same-day settlement for fiat and instant settlement for stablecoins.

Developer Experience

The platform provides robust API documentation, multiple SDKs, complete sandbox environments for testing, and webhooks for real-time transaction updates. Businesses can automate workflows like order fulfillment on payment confirmation, subscription activation, and access grants based on payment events. API security includes key-based authentication with IP allowlisting support.

White-Label & Compliance

Fintechs can offer white-label payment acceptance services under their own brand without obtaining money transmitter licenses. Mural Networks, Inc. (NMLS #2744530) handles KYC/KYB verification, transaction monitoring, and regulatory compliance across the Americas, significantly reducing compliance burden for merchants while maintaining enterprise-grade infrastructure.