Global Stablecoin Accounts (GSAs)

Overview

Global Stablecoin Accounts (GSAs) are next-generation digital business accounts specifically built for modern businesses operating in the Web3 and blockchain ecosystem. These accounts combine the global reach and efficiency of stablecoins with the familiar usability of traditional business bank accounts, creating a unified platform for managing digital and fiat currencies without discrimination against crypto-native business models.

Core Banking Capabilities

GSAs provide businesses with comprehensive banking-like functionality including the ability to hold, receive, send, and convert funds across multiple currencies and stablecoins from a single account interface. The platform supports over 20 fiat currencies including USD, EUR, and major Latin American currencies (COP, MXN, BRL, ARS, CLP, PEN, BOB, CRC, DOP, UYU), plus stablecoins USDC, USDT, and PYUSD. This eliminates the need for maintaining multiple traditional bank accounts across different jurisdictions, a common pain point for Web3 companies facing banking discrimination.

Multi-Currency Account Structure

Businesses can maintain balances in multiple currencies simultaneously within a single GSA, with real-time visibility into all positions. Built-in foreign exchange capabilities enable instant currency conversion at competitive rates without requiring external FX providers. For businesses needing additional account segregation, virtual accounts enable creation of sub-accounts within a master GSA for managing funds across different business units, projects, or customers. Each virtual account maintains its own balance and transaction history while sharing access to the underlying payment infrastructure.

International Payment Infrastructure

GSAs connect to regional payment rails including SWIFT, SEPA (Europe), ACH (United States), PIX (Brazil), and SPEI (Mexico), enabling businesses to send and receive wire transfers in local currencies. The platform offers real-time settlement for stablecoin transactions and 95% same-day settlement for fiat transfers, significantly faster than traditional correspondent banking. Unlike traditional banking infrastructure that can take months to set up international accounts, GSAs can be deployed in days.

Security and Authorization

Security features include multi-signature approval workflows requiring multiple authorized parties to approve transactions, reducing fraud risk for corporate treasury operations. The platform integrates biometric authentication including TouchID and FaceID for secure account access. All transactions are fully auditable with complete reconciliation trails meeting institutional compliance and accounting requirements.

Compliance for Crypto Businesses

GSAs are provided by Mural Networks, Inc., a licensed money transmitter (NMLS #2744530) that understands and accepts cryptocurrency and Web3 business models. The platform implements comprehensive KYC/KYB verification processes meeting regulatory requirements across the Americas while maintaining service to crypto-native companies often denied traditional banking relationships. This provides Web3 businesses with compliant banking infrastructure without the discrimination faced at traditional financial institutions.

Virtual Account Capabilities

Businesses can create segregated virtual account structures for managing funds across different purposes, entities, or customers without opening multiple traditional bank accounts. Virtual accounts function as sub-accounts within a master GSA, providing isolated balance tracking and transaction management. Marketplaces can create virtual accounts for each merchant, platforms can maintain separate accounts for contractors, and companies operating across multiple countries can track balances by market while maintaining centralized treasury management. Funds can be moved between virtual accounts instantly without external transaction fees.

Developer Integration

GSAs are accessible through robust APIs and SDKs, allowing seamless integration into existing financial systems and applications. The platform provides comprehensive developer documentation, sandbox environments for testing, and webhooks for real-time transaction notifications. Virtual accounts are fully accessible through the API, enabling programmatic account creation, fund transfers, and balance queries with automated workflows.

Use Cases for Web3 Businesses

For global Web3 businesses, GSAs unify multi-market operations by enabling local currency deposits and payouts through a single platform with real-time FX capabilities. Fintechs can launch new banking-like products without rebuilding core infrastructure or facing banking discrimination. DAOs and crypto-native companies gain access to traditional payment rails (wire transfers, local currency accounts) while maintaining their stablecoin treasury operations. This bridges the gap between the Web3 ecosystem and traditional financial infrastructure that has historically discriminated against crypto businesses.