Stablecoin & Fiat Conversion Infrastructure

Overview

Mural Pay provides comprehensive B2B infrastructure for converting between cryptocurrency (stablecoins) and fiat currencies to power treasury operations for businesses operating in the Web3 ecosystem. The platform enables seamless conversion across 20+ fiat currencies and major stablecoins (USDC, USDT, PYUSD) through a unified API and account structure.

Core Conversion Capabilities

Businesses can convert between stablecoins and fiat currencies in real-time using built-in foreign exchange capabilities at competitive rates, eliminating the need for third-party FX providers. The platform supports USD, EUR, CNY, and major Latin American currencies including Mexican Peso (MXN), Brazilian Real (BRL), Colombian Peso (COP), Chilean Peso (CLP), Argentine Peso (ARS), Peruvian Sol (PEN), Bolivian Boliviano (BOB), Costa Rican Colón (CRC), Dominican Peso (DOP), and Uruguayan Peso (UYU). Converted funds become available in real-time for immediate use in outbound transfers, with 95% achieving same-day settlement for cross-border transfers.

On-Ramp Services (Fiat to Crypto)

The pay-ins platform enables businesses to deposit funds into their accounts from local bank accounts in their operating currency or convert fiat to stablecoins instantly. Deposits are routed through region-specific payment networks including PIX (Brazil), SPEI (Mexico), ACH (United States), and SEPA (Europe), ensuring fast and cost-effective collection. Payments can be automatically converted to stablecoins (USDC, USDT, PYUSD) upon receipt, providing instant liquidity and hedging against currency volatility. This stablecoin onramp infrastructure supports multiple blockchain networks for flexibility in Web3 operations.

Off-Ramp Services (Crypto to Fiat)

Businesses can withdraw funds from their Global Stablecoin Accounts to external bank accounts in over 20 currencies with automatic currency conversion at the point of withdrawal. Stablecoin holdings can be converted to local fiat and disbursed through optimal payment rails 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 recipients receive funds in their local currency through their preferred payment method with minimal delays and transaction costs.

API-Based Conversion Infrastructure

The platform provides robust APIs and SDKs enabling seamless integration of conversion functionality into existing financial systems and applications. Developers can programmatically execute conversions, manage multi-currency balances, and query real-time exchange rates. The API includes comprehensive documentation, sandbox environments for testing, and webhooks for real-time transaction notifications. This developer-first approach enables businesses to build custom treasury management tools and automated conversion workflows on top of the infrastructure.

Treasury Operations Integration

Unlike traditional banking infrastructure requiring months to set up international accounts and establish multiple banking relationships, Mural Pay's conversion infrastructure can be deployed in days. The Global Stablecoin Accounts provide unified multi-currency management where businesses can hold, receive, send, and convert funds across multiple currencies and stablecoins from a single interface. This eliminates fragmentation and enables efficient global treasury operations with real-time visibility into all positions.

Compliance and Security

All conversion operations maintain full regulatory compliance with money transmission regulations across jurisdictions, with Mural Networks, Inc. holding NMLS #2744530 for U.S. money transmission services. Multi-signature approval workflows require multiple authorized parties to approve large conversions, reducing fraud risk. Transactions are fully auditable with complete reconciliation trails for compliance and accounting purposes, meeting the requirements of institutional finance teams.

Use Cases by Business Type

For global businesses, the platform unifies multi-market operations by enabling local currency deposits and payouts with real-time stablecoin conversion capabilities. Fintechs can launch new deposit and withdrawal flows without rebuilding core banking infrastructure or establishing relationships with multiple payment processors. Banks can offer stablecoin-compatible funding and withdrawal options to their commercial clients through straightforward API integration. Web3 companies can efficiently manage treasury by converting between operational fiat currencies and stablecoin holdings based on business needs.