🚀 New APIs

1. We now have a new individualV2 request type for the create Business Verification endpoint which supports providing Source of Funds information as well as an enhanced Government ID support. Use this type going forward when creating business verifications for your individual organizations. See deprecations note below.

⭐ Enhancements

1. Improved Payment Method validations:
   1. CPF and CNPJ verification digit validation for BRL Payment Methods validations (see here for specifics)
   2. Enhanced bank account owner name validations
2. Child organizations underneath a parent organization now must have a unique email addresses
3. No longer send email notifications to orgs with rejected Business Verifications
4. Enforce unique alias constraints per-counterparty across all payout method types

🌐 New Routes

1. (Beta) Can now payout USD to banks domiciled in Hong Kong — reach out to the team to get enabled for this flow!

⚠️ Deprecations

Note: Deprecations are a warning of removal of functionality. The target removal date for each indicates the date in which functionality will cease to exist.

1. The type: individual request for the create business verification endpoint is deprecated in favor of type: individualV2
   1. Target removal date: December 12, 2025

🐛 Bug Fixes

1. Fix single query parameter handling for /supported-banks endpoint
2. Fixed an issue resulting USDT/tron deposits into Mural Accounts not appearing in the Payins API
3. Fixed an issue resulting in Transactions sometimes not appearing in the Transactions API

🚀 New API

Counterparties & Payout Methods API
Manage your recipients and how to pay them in a first-class way with the new Counterparties and Payout Methods API. Learn more here.

⭐ Enhancements

USDT Payins on the Tron Blockchain
USDT Tron payin methods are now available via the Accounts API, allowing users to fund their accounts using the Tron network. Reach out to learn more and get this feature enabled.

Transactions API Enhancements
The Transactions API now includes ACH trace numbers for applicable transactions, improving transparency and traceability. Reference the API here.

Terms of Service “Reliance” Model
Simplify onboarding for your users by embedding Mural’s Terms of Service directly into your own flow using the “Reliance” model. Checkout our documentation on this feature to learn more.

🐛 Bug Fixes

• Fixed an issue that caused blockchain payout methods to not appear in the Payout Methods search endpoint
• Fixed an issue that prevented USD payouts to China from being created
• Fixed an issue that resulted in certain Webhooks not being sent

🚀 New API

getTransaction endpoint
You can now query for a specific Transaction via the Transactions API

🌐 New Routes

USD Payouts to Panama

You can now send USD to banks in Panama

⭐ Enhancements

Custom Developer Fees for Payins
Earn custom fees on Payins made into your users’ accounts. This gives developers more flexibility to monetize their payment flows. Learn more here.

Expanded Webhook Event Types
Get real-time updates for business verification (KYC) status changes via newly added webhook event types. Learn more here.

🚀 New API

KYC API Passthrough API
Submit your users’ KYC/KYB data programmatically via our API. This eliminates the need for duplicate forms and manual handoffs, enabling a fully seamless onboarding experience within your own product. Learn more here.

Webhooks API
Receive automatic notifications whenever funds enter or leave your account. These webhooks enable real-time balance updates for your users. Learn more here.

⭐ Enhancements

Custom Fees in the Payouts API
You can now add custom fees you’d like to collect on top of Mural’s base fees directly through the API. This provides greater flexibility for developers to monetize payout flows. Learn more here.

Improved COP Payouts
Payouts to Davivienda, Bancolombia, Nequi, and Daviplata (≈80% of our payments in Colombia) now settle in under 30 minutes, 24/7. For other banks, payouts are delivered hourly on weekdays between 8:30 AM and 2:30 PM (COT time).

🐛 Bug Fixes

• Improved error messaging for payout failures due to invalid recipient data.