Mural Manifesto
Our mission is to expand financial freedom by connecting every person, business, and agent to the Global Financial Internet.
Our belief since the start has been simple. People invest their time and energy in their work, and they get paid in money. Money is the compression of their time and energy. When money can move freely across the world, people can put their time and energy where they choose, and reinvest it into the next generation of businesses and global commerce.
The Global Financial Internet is the interconnected web of banks, wallets, and financial systems that lets money move in real time, and lets anyone build financial applications on top of it.
This mission is deeply personal for us
Sinclair’s family is from the US, France, and Togo. Chris’s family is from the US, Germany, and Cape Verde. Living internationally and supporting family abroad, we saw firsthand how complicated it is to get money from one place to another, with a cut taken at every step, over and over again.
When Sinclair first visited Togo at 15, he saw how hard it was for his family in the U.S. to send money home. Opening a bank account meant long lines, piles of paperwork, and sometimes months of waiting. Sending money could cost up to 20%, and routes would shut off without warning. It made him realize how lucky he was to grow up with financial systems that simply worked.
Chris lived abroad while working at Palantir, with money and family across countries. Opening an account, paying a friend back, getting a tax refund home, each one went through a system that didn't know the other existed. At work, he was connecting data systems for the world's largest institutions, and realized money was a similar problem with worse plumbing.
How we will win
Our shared background as engineers at Palantir gave us a deep appreciation for connecting data systems that were never built to talk to each other. Payments are the same problem in disguise. We built some of the most complex data systems at global scale, and now we are doing it with money.
That means connecting banks, wallets, blockchain rails, fiat rails, compliance, licensing, and agents. It requires rigorous security, permissioning, and devoted engineering work to solve the hardest money movement and storage problems there are.
Why now
We believe every individual and business will become a fintech, catalyzed by the rise of AI agents. Agents will pay bills, collect money, purchase goods, and sell services on behalf of people and businesses worldwide. The financial system was built for humans, not AI agents acting in real time across borders. These new participants will run on the Global Financial Internet, and we are connecting them to it.
We aim to serve the people moving this world forward, the businesses ambitiously pursuing their missions, and the governments that want to give their people the greatest financial opportunities.
Like a mural, the Global Financial Internet is made by many hands, layer by layer. We connect the pieces so our partners can build their missions on robust infrastructure, even as the world changes rapidly.
Every person, every business, every agent, connected to the Global Financial Internet, will lead to the greatest expansion of financial freedom the world has seen.
We are still painting. Join us.
Sinclair Toffa, Co-Founder and CEO
Chris Fernandes, Co-Founder and COO
