Mural provides a user-friendly experience for businesses to leverage USDC for global payments and invoicing. Learn more about how they integrated Turnkey in this case study!

The problem: Onboarding non-crypto native businesses

In building a stablecoin payments app that would have broad appeal and usability, Mural faced a significant challenge: integrating a user-friendly, secure, and seamless onboarding and authentication process that didn’t necessitate prior crypto knowledge or ownership of a pre-existing crypto wallet. The team wanted the experience of using Mural to feel like using any other conventional web application. Plus, security of funds on Mural shouldn’t be contingent on meticulous management of a seed phrase but rather intuitive logical permissions workflows and familiar biometric authentications, and funds should be recoverable even if users lost a device or forgot a password.

In addition to all of the above, it was important to Mural that user funds remained non-custodial.

Addressing all of these simultaneous ambitions led Mural to Turnkey.

The solution: Invisible Turnkey wallets with passkey authentication

To create the user experience they wanted, Mural collaborated with Turnkey to build a solution redefining user interactions with crypto payments.

Using Turnkey, Mural set up an implementation where for each new user, a wallet is created invisibly in the background which functions as an Externally Owned Account (EOA) signer for smart contract accounts. With this implementation, users can engage with the Mural platform as simply as they would with any traditional web application, complemented by the security and convenience of biometric authentication for transaction approvals.

Mural’s implementation also took advantage of Turnkey’s policy engine, enabling customizable permissions workflows for teams managing stablecoin payouts on Mural. Finally, building these invisible wallets on Turnkey meant that Mural is able to offer email recovery as a default, giving users a safety net against loss of funds due to device loss or forgotten passwords.

Mural’s latest feature continues to push the boundaries of crypto UX; now on Mural, users have the ability to pay anyone with stablecoin using just an email address. This new feature launch was made possible by the flexibility of Turnkey’s infrastructure, making it possible for Mural to keep innovating on their product without needing to constantly seek out new vendors.

Mural’s results

• By allowing users without a pre-existing crypto wallet to sign up, Mural saw an immediate increase in the number of individuals and businesses onboarding

• Robust, multi-layered security protections including multiple approval workflows, backed by digital signatures

• Successfully launched Mural Connections, enabling teams on Mural to pay anyone with just an email address

About Mural

Mural is an instant global payments and invoicing platform. Move beyond slow international wires, costly transaction fees, and lack of transaction visibility with Mural.  More than just a payment method, Mural is designed to empower your business with an all-in-one platform combining global payments, automated invoicing, flexible account payable flows, and the latest in blockchain technology. Our mission is to make every international transaction fast, scalable, and secure.

About Turnkey

Turnkey is secure, flexible, and scalable wallet infrastructure offering low-level primitives for teams building onchain applications and infrastructure. Founded by the team that built Coinbase Custody, Turnkey is powering serious applications across a wide range of use cases, from wallets-as-a-service to programmatic backend crypto automation. By leveraging a novel security framework, Turnkey achieves 50-100ms signing latency for millions of wallets, all with affordable transaction-based pricing that’s designed for scale.