LicensingLicensing

Look up Mural on NMLS Consumer Access.

State notices and how to file a complaint

Alaska

For Alaska Residents Only:

If your issue is unresolved by Mural Networks, Inc. at +1 (201) 470-4086, please submit formal complaints with the State of Alaska, Division of Banking & Securities:

• Download the complaint form here
• Submit the completed form with supporting documents to:

Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, contact the Division of Banking & Securities directly:

• Tel: (907) 465-2521
• dbs.licensing@alaska.gov

Arizona

If you have any questions or complaints concerning Mural Networks, Inc.’s money transmission services, you can contact the Arizona Department of Insurance and Financial Institutions at (602) 364-3100.

Arkansas

Arkansas Securities Department

If you have a complaint, please contact Mural Networks, Inc. at +1 (201) 470-4086 or https://muralpay.com/contact. If you still have an unresolved complaint regarding Mural Networks, Inc.'s money transmission activity, you may file the completed complaint form https://securities.arkansas.gov/file-a-complaint-2/ by e-mailing to ASDInfo@securities.arkansas.gov or by mailing at:

Arkansas Securities Department 1 Commerce Way, Suite 402 Little Rock, Arkansas 72202 Telephone: (501) 324-9260 Facsimile: (501) 324-9268

Colorado

Colorado Division of Banking, Department of Regulatory Agencies

Customers of Mural Networks, Inc. may contact the Colorado Department of Regulatory Agencies Division of Banking with questions or complaints about Mural Networks, Inc.’s money transmission services, as described in the Colorado Customer Notice available here: https://banking.colorado.gov/sites/banking/files/documents/MT_Customer_Notice_MO7_English_Spanish_03.2026_AccO.pdf or at (303) 894-7575.

Connecticut

Connecticut Virtual Currency Disclosures

Mural Networks, Inc.

Disclosure 1 – Conn. Gen. Stat. § 36a-613(a)(1)

WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.

Disclosure 2 – Conn. Gen. Stat. § 36a-613(a)(2)–(7)

(2) Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections;

(3) Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when the customer initiates the virtual currency transaction;

(4) The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears;

(5) The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time;

(6) Any bond maintained by the licensee for the benefit of the customers of such licensee may not be sufficient to cover all losses incurred by such customers; and

(7) Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked.

Disclosure 3 – Conn. Gen. Stat. § 36a-613(b)

(1) The customer's liability for unauthorized virtual currency transactions;

Transfers of Stablecoins are not electronic fund transfers under federal Regulation E. You are responsible for Stablecoin transactions made with your Login Credentials or the authentication method you use to approve Orders, including by anyone you share them with. If you believe an unauthorized Stablecoin transaction has occurred, contact Mural immediately at support@muralpay.com or 1 (201) 470-4086, and no later than sixty (60) days after the transaction appears in your Order history. Mural will review your report and tell you the result within forty-five (45) days. If Mural determines that the transaction resulted from Mural's error, Mural will correct it. If you use the Mural Services for business purposes, Mural is not liable for unauthorized transactions except to the extent caused by Mural's gross negligence, willful misconduct, or fraud.

(2) The customer's right to stop payment of a preauthorized virtual currency transfer and the procedure used to initiate a stop-payment order;

Mural does not offer preauthorized or recurring virtual currency transfers. If Mural offers them in the future, it will tell you how to stop a preauthorized transfer before you enroll.

(3) Under what circumstances the licensee will, absent a court or government order, disclose information concerning the customer's account to third parties;

Absent a court or government order, Mural discloses your Personal Data and information about your Orders, as needed to provide the Mural Services and to comply with Applicable Laws, only to: (a) your Partner; (b) Mural's Financial Partners; (c) third-party service providers; and (d) any bank or other financial institution that holds an account or wallet you send money to or receive money from, including the recipient's institution.

(4) The requirement that the licensee communicate to the customer what customer information may be disclosed to third parties;

Our Privacy Policy (please see www.muralpay.com/legal) explains how we collect and use any Personal Data you share with us.

(5) Receipts at virtual currency kiosks. Not applicable. Mural does not operate virtual currency kiosks.

(6) Upon any change in the rules or policies of the licensee, the customer's right to consent to such changed rules or policies prior to performing any transaction after such change.

Mural may change its Terms and policies at any time and posts the current version at www.muralpay.com/legal. If you use the Mural Services for personal, family, or household purposes, Mural will give you notice of a change at least twenty-one (21) days before it takes effect where the law requires; otherwise, a change is effective when posted, and it will not apply to an Order you placed before it takes effect. If you use the Mural Services for business purposes, a change is effective when posted and applies to pending Orders. Mural may require you to accept updated Terms through your Partner before you continue to use the Mural Services. By using the Mural Services after a change takes effect, you consent to the change. If you do not consent, you must stop using the Mural Services and close your Mural Account.

Customers of Mural Networks, Inc. may contact the Connecticut Department of Banking with questions or complaints about Mural Networks, Inc.'s virtual currency services:

Connecticut Department of Banking 280 Trumbull Street, 16th floor Hartford, CT 06103 Phone: (860) 240-8299 or 1-800-831-7225 (toll-free) Complaints: (860) 240-8170 Email: Department.Banking@ct.gov portal.ct.gov/DOB

District of Columbia

District of Columbia Department of Insurance, Securities and Banking Bureau

To file a complaint, contact:

Please first contact us at compliance@muralpay.com, or (201) 470-4086, or at its mailing address:

169 Madison Ave, STE 2476 New York, NY 10016

Illinois

Illinois residents with questions or complaints about Mural Networks, Inc. may contact the Illinois Department of Financial & Professional Regulation, Division of Financial Institutions, Consumer Credit Section at 1-888-473-4858.

Iowa

Mural Networks, Inc. is licensed by the Iowa Division of Banking as a money services licensee.

If you have a question or complaint, please first contact us at compliance@muralpay.com, or (201) 470-4086, or at its mailing address:

169 Madison Ave, STE 2476 New York, NY 10016

If you have an unresolved complaint regarding the money transmission services provided by Mural Networks, Inc., you may contact the Iowa Division of Banking at:

200 East Grand Avenue, Suite 300 Des Moines, IA 50309 Phone: (515) 281-4014 https://idob.iowa.gov/how-do-i-file-complaint

Maryland

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Mural Networks, Inc. (NMLS ID No. 2744530) at:

Office of the Commissioner of Financial Regulation 1100 North Eutaw Street, Suite 611 Baltimore, MD 21201 Tel: (888) 784-0136 (toll-free)

Michigan

Michigan Department of Insurance and Financial Services

To file a complaint, contact:

Michigan Department of Insurance and Financial Services (DIFS) Commissioner of the Department of Insurance and Financial Services (DIFS) Tel: 877-999-6442

Missouri

Missouri Division of Finance

To file a complaint, contact:

Missouri Division of Finance PO Box 716 Jefferson City, MO 65102-0716 Tel: 573-751-3242 finance@dof.mo.gov

Nebraska

Mural Networks, Inc. (NMLS No. 2744530) is licensed as a money transmitter by the Nebraska Department of Banking and Finance. Nebraska residents with questions or complaints may contact the Nebraska Department of Banking and Finance at (402) 471-2171, P.O. Box 95006, Lincoln, NE 68509-5006, or through the Complaints section at https://ndbf.nebraska.gov.

New Hampshire

New Hampshire Banking Department

To file a complaint, contact:

Please first contact us at compliance@muralpay.com, or (201) 470-4086, or at its mailing address:

169 Madison Ave, STE 2476 New York, NY 10016

New Mexico

New Mexico Money Transmission License

State Agency:

New Mexico Financial Institutions Division Money Services Business Unit 2550 Cerrillos Road, 3rd Floor, PO Box 25101 (87504) Santa Fe, NM 87505

North Dakota

North Dakota Department of Financial Institutions

To file a complaint, contact:

Please first contact us at compliance@muralpay.com, or (201) 470-4086, or at its mailing address:

169 Madison Ave, STE 2476 New York, NY 10016

North Dakota Department of Financial Institutions 2000 Schafer Street, Suite G Bismarck, ND 58501-1204 Tel: (701) 328-9933 dfi@nd.gov

Oregon

Oregon Division of Financial Regulation

To file a complaint, contact:

Oregon Division of Financial Regulation PO Box 14480 Salem, OR 97309-0405 Tel: 888-877-4894 dcbs.dfcsmail@state.or.us

Rhode Island

Mural Networks, Inc. is licensed by the Rhode Island Department of Business Regulation as a currency transmitter. If you have a question or complaint, please first contact us at compliance@muralpay.com, or (201) 470-4086, or at its mailing address:

169 Madison Ave, STE 2476 New York, NY 10016

If you have an unresolved question or complaint regarding the money transmission services provided by Mural Networks, Inc. you may contact the Rhode Island Department of Business Regulation at (888) 853-7926.

South Carolina

South Carolina Department of Consumer Affairs

To file a complaint, contact:

South Carolina Department of Consumer Affairs PO Box 5757 Columbia, SC 29250 Tel: (800) 922-1594 scdca@scconsumer.gov

South Dakota

South Dakota residents may contact the South Dakota Department of Labor & Regulation, Division of Banking, with questions or complaints about Mural Networks, Inc. at:

South Dakota Department of Labor & Regulation, Division of Banking 1714 Lincoln Ave., Suite 2 Pierre, SD 57501 Tel: (605) 773-3421

West Virginia

West Virginia Division of Financial Institutions

To file a complaint, contact:

West Virginia Division of Financial Institutions 900 Pennsylvania Avenue, Suite 306 Charleston, WV 25302-3542 Tel: 1-800-368-8808

Wyoming

Wyoming Division of Banking

To file a complaint, contact:

Wyoming Division of Banking 2300 Capitol Avenue, 2nd Floor Cheyenne, Wyoming 82002 Tel: 307-777-7797 wyomingbankingdivision@wyo.gov