Custody Models

The Mural Pay API supports integration models that accommodate both client custodial and end-user custodial payments. As the Developer, it is your responsibility to choose the integration model that aligns with your regulatory requirements and compliance posture, notably whether you operate as a Money Services Business (MSB) or not.

Mural Pay does not provide legal advice regarding the choice of custody model. We strongly recommend consulting qualified legal counsel to determine which integration model is suitable for your specific use case and jurisdiction.

Refer to the subsequent sections for a comparison of the technical implications between the two supported models.