Global Crypto & Stablecoin Payroll

Mural Pay's payouts infrastructure provides businesses with flexible capabilities for paying employees, contractors, and remote workers in cryptocurrency and stablecoins on a recurring basis. The platform enables companies to manage global payroll operations with support for 20+ fiat currencies and major stablecoins (USDC, USDT, PYUSD), addressing the needs of crypto-native companies and businesses with distributed international teams.

Stablecoin Salary Payments

Businesses can pay employees and contractors in stablecoins (USDC, USDT, PYUSD) directly to their crypto wallets, providing an efficient alternative to traditional international wire transfers. For recipients, stablecoin payments settle instantly and can be held as-is or converted to local fiat currency through the platform's off-ramp capabilities. This is particularly valuable for paying remote workers in countries with volatile local currencies or limited access to international banking infrastructure.

Multi-Currency Fiat Payroll

For team members preferring fiat currency, the platform enables businesses to pay salaries in over 20 currencies including USD, EUR, and major Latin American currencies (MXN, COP, BRL, ARS, CLP, PEN, BOB, CRC, DOP, UYU). Payments are routed through local payment rails optimized for each region: PIX for Brazil (instant settlement), SPEI for Mexico (same-day), ACH for United States (1-2 days), and SEPA for European Union (1-2 days). This ensures employees receive funds in their local currency through their preferred payment method with minimal delays.

Bulk Payroll Processing

The platform supports multi-currency bulk payouts through a single interface, enabling businesses to process entire payroll runs with thousands of recipients across different countries and currencies. Companies can maintain their treasury in stablecoins within Global Stablecoin Accounts and execute automatic conversion at the point of payout, optimizing treasury management while ensuring employees receive local currency. The platform handles routing, FX conversion, and settlement automatically with 95% same-day settlement rates for cross-border transfers.

Real-Time Treasury Management

Unlike traditional international payroll that requires pre-funding accounts days in advance, Mural Pay enables real-time payroll execution. Funds deposited or converted into Global Stablecoin Accounts become available immediately for outbound transfers, eliminating traditional banking delays of 2-5 business days. Real-time balance updates and transaction notifications enable treasury teams to manage payroll cash flow with precision and execute salary payments on exact dates without buffer time.

Compliance and Audit Features

Every payroll payment is fully reconciled and auditable by design, meeting the requirements of financial compliance teams. Transaction records include complete details on source funds, conversion rates, fees, recipient information, and settlement timestamps. The platform maintains compliance with money transmission regulations across jurisdictions, with Mural Networks, Inc. holding NMLS #2744530 for U.S. money transmission services. This audit trail supports tax reporting, regulatory filings, and internal compliance reviews.

API Integration for Payroll Systems

The platform provides comprehensive APIs enabling integration with existing HRIS and payroll systems. Businesses can automate recurring salary payments through programmatic payout execution, synchronize employee payment details, and receive real-time webhooks for payment confirmations. This enables payroll teams to maintain their existing workflows while leveraging crypto and stablecoin payment capabilities without manual processes.

Use Cases by Business Type

Web3 companies and crypto-native businesses use the platform to pay distributed teams in stablecoins, aligning compensation with their treasury holdings and company mission. Global businesses with remote workers across Latin America and other emerging markets can provide fast, low-cost local currency payroll without establishing banking relationships in each jurisdiction. DAOs and decentralized organizations can manage contributor compensation in stablecoins with transparent on-chain settlement. Traditional companies expanding internationally can launch payroll in new markets within days rather than months required for traditional banking infrastructure.

Limitations

While the platform excels at payment execution and treasury management, it does not currently provide comprehensive Employer of Record (EOR) or Professional Employer Organization (PEO) services for full-service international employment compliance. Businesses are responsible for their own tax withholding, benefits administration, and employment law compliance in recipient jurisdictions. The platform focuses on payment infrastructure rather than employment relationship management.