Large-scale settlement stalls in the handoffs: money crosses borders through banks, wallets, and providers, and each one adds cost and delay. Micro settlement leaks margin, because every flow runs custom logic for splits and payouts. The procedure decides the class, not the amount: a negotiated agreement governs a large-scale flow, standard terms a micro one.
Set the amount, recipient, funding balances, and conditions. A payment fixes the outcome; it does not choose the funding route.
Declared. 3 conditions. Reference PAY-4821.
Set the amount, recipient, funding balances, and conditions. A payment fixes the outcome; it does not choose the funding route.
Mure resolves funding routes from the payer's balances. Each route turns one source asset into the payment on Arbitrum.
Each route quotes the gas, bridge, protocol, and relayer costs to deliver the payment. Mure puts every quote on one USD basis.
Illustrative quotes to deliver $10,000.00 USDC on Arbitrum. Live outputs vary.
All-in cost is every cost to deliver the payment, not the headline rate. Mure removes routes that break your conditions, then ranks the rest by all-in cost, lowest first.
Illustrative quotes to deliver $10,000.00 USDC on Arbitrum. Live outputs vary.
Mure builds and simulates the chosen route before submission. It then executes the route with the payment's rules attached.
The payment, the funding route, the quotes, and the result stay linked to one reference. Reconciliation reads the same record, not a second export.
The procedure decides the class, not the ticket size. Choose a class to see where it breaks.
A negotiated agreement sets the terms. The two sides sign a purchase, service, or financing contract, and the payment follows that contract.
What breaks
Money crosses borders in a chain of handoffs. Each bank, wallet, and provider adds a fee and a delay. Both sides prove the same terms again at every step.
Who feels it
Treasury, fund operations, and trade finance teams reconcile the handoffs after the money lands.
Examples
Trade settlement
A buyer pays a supplier. The payment starts when the invoice and the shipping documents are accepted. Each bank and correspondent applies its own cut-off and fee. The parties prove the terms again at every step.
Fund operations
A fund pays its investors, and its investors pay in. The payout starts on the distribution date in the fund agreement. The administrator checks entities, fees, and currency conversions before the payout.
Royalties and licensing
A licensee pays a rights holder. The payout starts on the royalty statement that the license sets. Each currency adds an FX step and a transfer limit. The reconciliation is manual.
Standard terms set the flow. There is no negotiated contract: a card authorization, a click-through, or self-serve subscription billing.
What breaks
Each flow needs its own splits, fees, and payout rules. The custom logic costs engineering time, and margin leaks in the wait between payment and payout.
Who feels it
Product, growth, and finance teams at platforms pay for the custom logic in engineering time and margin.
Examples
Gaming and digital economies
A player pays the operator, and the operator pays the platform and the creators. The flow starts on each purchase, when the store confirms it. Teams build split and payout logic for each title. The payout waits on a separate settlement cycle.
Premium and subscription services on the web
A subscriber pays a service provider for access. The charge starts on each renewal, or when the subscriber changes plan. Each plan and currency adds its own billing rules. Renewals and failed payments need a separate reconciliation.
Also in this class
Commerce checkout.
Every flow here moves funds through accounts a customer controls. Read how Mure coordinates a flow without holding funds.
You decide who gets paid, when, and under what conditions. Mure carries the transaction through approvals, payouts, and records.
One API coordinates every step of a complex transaction across your existing finance stack.
Define recipients, amounts, currencies, approvals, release steps, and conditions upfront.
Guide transactions across the banks, wallets, custody providers, and rails you already work with.
Set partner payouts, revenue shares, fund distributions, royalty splits, and other payment logic in one flow.
Connect supported third-party checks into the flow instead of a separate process.
Rules, movement, status, receipts, and reconciliation stay connected end to end.
One API serves fund operations, trade settlement, royalties, gaming economies, and other high-value workflows.
Settle a flow into fiat currency. On the roadmap, not available today.
Receive a signed callback when a transfer changes state. On the roadmap; poll the transfer while webhooks are unavailable.
Each transaction carries the rules it needs along with the funds.
Connect one workflow through the Mure Orchestration API, prove the upside, then expand. You keep your current financial stack.
Choose a fund flow, trade flow, payout cycle, or revenue flow that already causes delays, fee leakage, stuck capital, or admin work.
Mure coordinates rules, routes, payouts, checks, and records across the banks, wallets, custody providers, compliance tools, and rails you already use.
Track settlement time, fee leakage, capital delays, reconciliation work, and team effort.
Once the first workflow proves value, expand to more entities, corridors, suppliers, funds, payout cycles, or markets.
import { eth } from "@mure/sdk/accounts/evm";
const hash = await client.transfer({
to: eth("0x8f664a25158021EFb4470f9036431664ce9f7895"), // recipient address
asset: "USDC",
amount: 10_000_000n, // 10 USDC (6 decimals)
});import { eth } from "@mure/sdk/accounts/evm";
const hash = await client.transfer({
to: eth("0x8f664a25158021EFb4470f9036431664ce9f7895"),
asset: { in: "USDC", out: "ETH" },
amount: 10_000_000n,
});import { base, eth } from "@mure/sdk/accounts/evm";
const hash = await client.transfer({
from: eth("0x3165fd5B9D37Ac9619aC5895CA33F308aB02a053"),
to: base("0x8f664a25158021EFb4470f9036431664ce9f7895"),
asset: "USDC",
amount: 10_000_000n,
});Start with one fund workflow, such as distributions, capital calls, or treasury movement. Mure coordinates the rules, the routing, and the records, so distributions land on the agreed terms and the team stops reconciling across spreadsheets. A limited integration reaches one workflow first, then the rest of the fund lifecycle.
Expansion path: from one workflow to full fund lifecycle automation.
Start with one recurring buyer-seller flow, such as one corridor, supplier, or payment cycle. Mure coordinates the routing around each counterparty, keeps the settlement records tied to the transaction, and lets the next corridor reuse the same setup.
Expansion path: from one trade flow to more corridors and suppliers.
Give your team one place to control who gets paid, when, and under what conditions.
Remove the manual approvals, provider handoffs, and unclear release steps that slow money down.
Control which routes and currency paths money takes, so fewer costs enter the flow.
Turn repeated checks, spreadsheets, and provider follow-ups into flows your team reuses.
Store recipient, amount, timing, and conditions as rules inside each transaction.
Keep approvals, releases, and payouts moving so funds wait less.
Rules, movement, and records stay linked, so reconciliation data is ready when settlement ends.
The same two classes, seen as the change you would make. The problem stays where it is. The flow around it stops being manual.
Before
The agreement sets the terms, then the payment crosses banks, correspondents, and providers. Each hop takes a fee and a delay, and both sides re-prove the same terms at every step.
With Mure
The terms are set once in the flow. Mure routes the payment across the rails you already use, keeps the approvals and the records tied to the transaction, and the next flow reuses the setup.
Before
Every product builds its own splits, fees, and payout logic, then waits on a separate settlement cycle. The margin leaks in the engineering and in the wait.
With Mure
Splits, fees, and payout rules are set once, and Mure settles each purchase as it clears, so the payout lands without a bespoke build for every flow.
Common questions about how Mure works and where it fits.
Mure is an orchestration API that programs your settlement flow across the banks, wallets, and rails you already use. You define the business outcome once, and Mure coordinates routing, approvals, settlement, and records end to end.
Settlement is normally a chain of handoffs between banks, wallets, providers, and spreadsheets. Mure turns that chain into one programmable flow, coordinating each step so money moves with fewer delays and less manual work.
Mure serves two classes of settlement problem. Large-scale flows run under a negotiated agreement: trade settlement, fund operations, royalties and licensing. Micro flows run on standard terms: gaming purchases, premium and subscription services on the web, and commerce checkout.
No. Mure routes transactions across the banks, wallets, custody providers, and rails you already work with rather than replacing them.
You set recipients, amounts, currencies, and conditions before funds move. Mure then executes routing, settlement, and payouts in one flow, with rules and records tied to the transaction. Payouts and in-flow compliance checks are Live. Approval rules and reconciliation export are Pilot. Fiat settlement is Roadmap.
Let’s map the costs and delays in your current flows.
Not ready to talk? Meet the team behind Mure.