Mural Pay alternative for USDT payouts to your customers
Mural Pay's fiat payouts go to banks only, with USDT on request. For customers paid by mobile money or bank from your USDT or USDC, Unigox is a Mural Pay alternative. Keep Mural Pay for per-user accounts and supplier payouts.
When to stay with Mural Pay
Each user needs USD, MXN or BRL account details
A Mural Pay Account comes with named USD details for ACH and wire, an IBAN for SEPA Instant, a CLABE for SPEI and a Pix code. Mural can hold the funds for you, under its own licences or through partner banks. Unigox opens accounts in your customers' names on request after your KYB, in EUR and GBP only.
You pay contractors, creators or suppliers
A Mural Pay counterparty can be any person or business with a bank account or a wallet address. Deel runs workforce payouts on it, and Opera pays its news writers. The Unigox Payments API pays your app's verified customers, and other payees only on routes Unigox confirms before integration.
Your customers are in the United States
Unigox does not currently offer its services in the United States, while Mural Networks holds money transmitter licences in certain US states and sends USD by wire the same day before a 21:00 GMT cut-off.
Mural Pay vs the Unigox Payments API
| Topic | Mural Pay | Unigox |
|---|---|---|
| What it is | Stablecoin account infrastructure for platforms and fintechs, now called Mural. Each end user is an Organization holding Accounts with fiat and stablecoin balances, payins, conversion and payouts, under a custody model you pick. | Local payouts and collections inside your app, settled in USDT or USDC in your partner wallet. Your server signs each transfer into escrow; a funded payout that does not complete is refunded. |
| Who receives the money | Any saved counterparty, a person or a business, paid to a bank account or as USDC or USDT to a wallet address. | Your own customer, verified by Unigox: document and selfie, a reused Sumsub or Persona check, or a verification link. Suppliers and other third parties only on routes Unigox confirms before integration. |
| Payout rails | Bank accounts only: SPEI in Mexico, Pix in Brazil, CBU or CVU in Argentina, Bre-B or ACH in Colombia, SEPA Instant in the euro area, ACH and wire in the US. Bank transfers in Chile, Peru, Bolivia, Costa Rica and South Africa; USD to Peru and Hong Kong. No mobile money rail. | The customer's bank or mobile money account, paid by a payment business connected to Unigox or a P2P merchant; a quote can be limited to payment businesses. |
| Stablecoin funding | USDC by default; USDT only after Mural turns it on. Each Account has one wallet on one blockchain, and USDT sent from Tron is bridged on request from a registered sender address. | USDT or USDC topped up in the partner wallet in advance and drawn per order. |
| Fees and your markup | No price list on its site. A fee call returns the live rate, an exchange fee percentage and a transaction fee; the rate locks only at execution. Support switches on your developer fee, paid out monthly. | Priced per currency and payment method. The quote lists the rate, the Unigox fee, your percentage and the total, and your fee lands in the partner wallet as each order completes. |
| Getting live | Request a call; Mural says a forward-deployed team gets you live in two weeks. Sandbox and production are separate, each with an API key and a Transfer API key for moving funds. | A call to agree markets, then company verification. Sandbox keys on the same endpoints as production follow approval, with a Postman collection and signing examples. |
| Regulation | Mural Networks, Inc. (NMLS 2744530) is registered with FinCEN as a money services business and holds money transmitter licences in certain US states; in others, federally chartered US banks provide the service. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove customer payouts off Mural Pay
Separate customer payouts from the rest
Name the Mural Pay payouts that go to your own customers and their currencies, then send your company documents. Mural's compliance review does not carry over to Unigox.
Turn counterparties into verified customers
Each Mural Pay counterparty who is your customer passes the Unigox identity check, by document and selfie or by reusing an eligible Sumsub or Persona check.
Fund the partner wallet and test
Top up the partner wallet with USDT or USDC, run quotes and orders in the sandbox, then switch to the production key.
Mural Pay alternatives and competitors: questions
What is a Mural Pay alternative for paying customers from USDT?
Unigox, if the money goes to your own verified customers and some of them use mobile money, which Mural Pay's rail table does not list. Each payout is drawn from USDT or USDC in your partner wallet, and your fee lands there as each order completes rather than in a monthly settlement. For contractor and supplier payouts or per-user USD accounts, stay with Mural Pay.
Is Mural Pay now called Mural?
Yes. Mural Pay dropped the word Pay from its name and is now Mural. The company says the team, licences and compliance programme stay the same; money transmission is still run by Mural Networks, Inc.
What does Mural Pay charge per payout?
Mural Pay publishes no price list. Before each fiat payout its fee call returns the live rate, an exchange fee percentage and a transaction fee, and the rate locks when the payout is executed. A Unigox quote shows the rate, its fee and your own percentage, and an order that does not complete is not charged.
Where can Mural Pay send bank payouts?
Its rail table includes the United States by ACH and wire, the euro area by SEPA Instant, and Mexico, Brazil, Argentina, Colombia, Chile, Peru, Bolivia, Costa Rica and South Africa. It also sends USD to bank accounts in Peru and Hong Kong. Mobile money is not on it.
Price a customer payout against Mural Pay
Tell us which currencies your Mural Pay payouts go to and how many go to your own customers. We reply with how the Payments API reaches each one and what a quote would include.
Mural Pay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.