Mural Master Services Agreement

Effective Date: September 21, 2026

This Master Services Agreement (“Agreement”) is between (i) Mural Networks, Inc., a Delaware corporation (“Mural Networks”), (ii) Mural Technologies, Inc., a Delaware corporation (“Mural Technologies” and, together with Mural Networks, “Mural,” as applicable and as determined under Section 2), each with offices at 169 Madison Avenue, Suite 2476, New York, NY 10016, and (iii) the Customer identified on the applicable Order Form (“Customer”). By executing an Order Form that references this Agreement, Customer agrees to be bound by this Agreement, including all Schedules and Product Exhibits incorporated by the Order Form. This Agreement does not require separate execution and is effective as of the date Customer first executes an Order Form that references this Agreement ("Effective Date").

Background

1. Mural operates a technology platform that provides payment processing, transaction management, and related financial-technology services using fiat and Digital Asset payment rails, through Mural's applicable licenses or through partnerships with Regulated Partners.

2. The Services may be accessed and used by Customer via the Platform, the Mural APIs, or both.

3. Customer wishes to engage Mural to access and use the Services to facilitate Transactions for its End Users, or itself as a Customer User.

4. The parties desire to enter into this Agreement, including each applicable Product Exhibit and each Order Form, to establish the terms and conditions under which Mural will provide Customer with access to the Services and Platform.

   The parties hereby agree as follows:

   Section 1 - Definitions, Rules of Construction, and Interpretation
   1.1 Definitions. Appendix A contains the definitions of capitalized terms not separately defined in this Agreement, together with the rules of construction and interpretation that govern this Agreement.

   Section 2 - Contracting Entities; Service Routing; Regulated Partners
   2.1 Service Routing. Both Mural Networks and Mural Technologies are parties to this Agreement, but which entity provides a particular Service to Customer depends on the nature of that Service and the state in which it is provided. With respect to each Service, this Agreement is between Customer and the Mural entity that provides that Service at the time the Service is delivered as determined under this Section.
   A. Services where Mural Networks is licensed. If a Service constitutes money transmission or another licensed activity under the law of the applicable state, and Mural Networks holds the required license or authorization in that state, either Mural Networks or Mural Technologies may provide the Service.
   B. Services where Mural Networks is not licensed. If a Service constitutes money transmission or another licensed activity under the law of the applicable state, and Mural Networks does not hold the required license or authorization in that state, Mural Technologies provides the Service through a Regulated Partner.
   C. All other Services. Mural Technologies provides any Service that does not constitute a licensed activity under the law of the applicable state.
   D. State-by-state variation. The same Service may be provided by a different Mural entity, or through a different Regulated Partner, depending on the state.
   2.2 Several Liability. Each Mural entity is severally (and not jointly) bound by and liable under this Agreement only for the Services that entity provides. Neither Mural entity is responsible for the acts, omissions, or obligations of the other.
   2.3 Regulated Partners. Mural may engage Regulated Partners and other Third-Party Providers to provide or enable the Services. The Regulated Partners applicable to Customer are identified in the Regulated Partner Schedule. Customer acknowledges that:
   i. Regulated Partners and Third-Party Providers are independent and are not agents, partners, or affiliates of Mural;
   ii. the timing, pricing, availability, and completion of Services may depend on their performance, policies, and operational and regulatory constraints, which may differ by jurisdiction;
   iii. where required, Customer will enter into and comply with the agreements, policies, and requirements of the applicable Regulated Partners, which Mural will present within the Platform when the relevant feature is accessed or enabled;
   iv. Mural may add, remove, replace, or reassign Regulated Partners at any time in its sole discretion, including by migrating Customer's accounts, funds, or Services from one Regulated Partner to another, and Customer will cooperate with any such migration, including by entering into any required agreements with the successor Regulated Partner; and
   v. Mural will not be responsible or liable for the acts or omissions of any Regulated Partner or other Third-Party Provider, except to the extent required by Applicable Laws.
   2.4 International Affiliates. Mural may designate one or more of its affiliates as a providing entity for Services delivered to or for the benefit of Customers, End Users, or Recipients located outside the United States ("International Affiliate"). Any International Affiliate so designated is bound by and entitled to enforce this Agreement as if it were a Mural entity named in the preamble. The specific International Affiliate, its scope of services, and any applicable tax, invoicing, or regulatory terms will be set out in a country-specific Schedule attached to the applicable Order Form. Section 2.2 (Several Liability) applies to each International Affiliate as if it were a Mural entity named in this Section. Mural may add, remove, or replace an International Affiliate at any time on notice to Customer.

   Section 3 - License and Access; Restrictions; Reservation of Rights
   3.1 License Grant. Subject to Customer’s payment of Fees and compliance with this Agreement, Mural grants Customer, during the Term, a limited, revocable, non-exclusive, non-transferable, non sublicensable right and license to access and use the Platform, the Services, the Mural APIs, and the Documentation, solely as described in the applicable Schedule and Order Form. The specific Services, access methods, and integration type available to Customer are designated in the Order Form.
   3.2 Use Restrictions. Customer will not, directly or indirectly, and will not permit any Authorized User or End User to:
   i. copy, modify, or create derivative works of the Services or Documentation;
   ii. rent, lease, lend, sell, license, sublicense, assign, distribute, publish, transfer, or otherwise make the Services or Documentation available to any third party except for the benefit of End Users or Recipients as expressly permitted;
   iii. reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive the source code or underlying structure of the Mural Services;
   iv. remove any proprietary notices; or
   v. use the Services, Documentation, or Mural Marks in any manner that infringes, misappropriates, or otherwise violates any third-party right or violates Applicable Laws. The applicable Schedule may set out additional obligations and restrictions specific to the Services ordered.
   3.3 Reservation of Rights. Mural reserves all rights not expressly granted in this Agreement. No rights in the Services, Mural APIs, Documentation, or Mural Marks pass to Customer except as expressly stated.

   Section 4 - Customer Responsibilities
   4.1 Account.
   A. Account Creation. To access and use the Services, Customer must create a Platform account with Mural (“Account”). To create an Account, Customer must provide certain information to Mural. Mural can request additional documentation and suspend or terminate access to or use of the Services or terminate this Agreement if the Customer does not meet applicable KYC/KYB/AML requirements. Customer will keep all information it provides accurate and up to date at all times.
   B. Authorized Users. Customer may permit Authorized Users to access the Services on
   Customer’s behalf and is responsible for their compliance with this Agreement.
   C. Account Management. Customer is solely responsible for all activity under the Account, including actions taken by any individual accessing the Account on Customer’s behalf, whether or not Customer knew of or authorized those actions. Customer must:
   I. ensure the security and confidentiality of all login credentials;
   II. regularly review Account access and promptly remove access for individuals who should no longer have it;
   III. immediately notify Mural of any suspected unauthorized access, unauthorized use of Customer’s access credentials, or any other known or suspected breach of security; and
   IV. not grant Account access to unauthorized third parties.
   D. Responsibility for Account Users. Mural is not responsible for any third-party access to Customer’s Account resulting from theft or misappropriation of Customer’s access credentials, or for any unauthorized access, transactions, or other activity that occurs because Customer failed to secure Account credentials or properly manage Account access. Mural is not liable for any loss or damage arising from Customer’s failure to comply with this Section 4.1. Mural may suspend the Account if it has reason to believe it has been compromised.
   4.2 Compliance Cooperation. Customer will cooperate with Mural and its Third-Party Providers on all compliance matters. This includes:
   A. Collecting Information. Ensuring that its Applications and workflows enable collecting, verifying, and transmitting information Mural requires;
   B. Disclosures. Obtaining required End User and Recipient disclosures, authorizations, and consents;
   C. Responding to Requests. Promptly responding to information requests;
   D. Not Initiating Transactions. Not initiating Transactions where required compliance information cannot be collected or verified;
   E. Anti-Evasion. Ensuring that neither Customer nor its employees, contractors, or other personnel, engage in any activity or provide guidance, advice, or other assistance to End Users or Recipients that is intended to circumvent or has the effect of circumventing Mural’s or its Third-Party Providers’ compliance controls;
   F. Non-Disclosure. Not disclosing any information that could alert an End User or Recipient to compliance reviews, screening results, or investigations, and using neutral messaging for rejected or delayed Transactions to avoid tipping off the End User or Recipient;
   G. Direct End User Communication. Customer acknowledges that Mural may communicate directly with End Users and Recipients when Mural determines, in its reasonable discretion, that direct communication is necessary or appropriate in connection with: (i) compliance with Applicable Laws, including AML, sanctions, or regulatory reporting obligations; (ii) responding to a subpoena, court order, law-enforcement request, or regulatory inquiry; (iii) investigating or addressing suspected fraud, unauthorized transactions, or financial crime; (iv) notifying End Users or Recipients of material changes to the Services, Regulated Partner terms, or account status; or (v) any other circumstance in which Mural is required to communicate with End Users or Recipients by a Regulated Partner or by Applicable Laws. Mural will use reasonable efforts to coordinate with Customer before initiating direct communications with End Users or Recipients, except where prior coordination is impracticable or prohibited by Applicable Laws; and
   H. Customer Monitoring. Customer will monitor the use of its Applications for any activity that violates Applicable Laws or any terms of this Agreement, including fraudulent, inappropriate, or potentially harmful behavior, and will promptly restrict any offending End User from further use of the Applications and notify Mural of the action taken. Customer’s failure to comply with this Section may result in rejected or delayed Transactions or a suspension of Customer’s Account. Mural has no liability for any such rejection, delay, or suspension.
   4.3 Prohibited Activities.
   A. Prohibited Activities Generally. Mural maintains and may update at any time on notice a list of prohibited activities (the "Prohibited Activities") and a list of prohibited jurisdictions (the "Prohibited Jurisdictions List"). Customer will not use the Services for any Prohibited Activity or in any jurisdiction identified on the Prohibited Jurisdictions List.
   B. No Nesting. Customer will not use the Services to provide, resell, or otherwise make available money transmission, payment processing, or similar financial services to third parties on a white label, nested, or pass-through basis without Mural's prior written consent.
   C. Prohibiting Access. Mural may reject or delay Transactions, restrict access, suspend or terminate the Account, or terminate this Agreement if it believes Customer’s activities involve Prohibited Activities, are conducted in a prohibited jurisdiction, or pose legal, regulatory, credit, or other risk.
   4.4 Complaints and Inquiries.
   A. Customer will:
   I. promptly notify Mural of any complaint received from an End User, Recipient, or third party relating to the Services, a Transaction, or Mural;

   II. maintain complete and accurate records of all complaints, including the nature of the complaint, the date received, the resolution, and any supporting documentation;
   III. log all complaints in a manner that allows Mural to review them on request; and
   IV. promptly notify Mural of any law enforcement inquiry, subpoena, court order, or regulatory request directed at Customer that relates to the Services, a Transaction, Mural, or any Regulated Partner, and cooperate with Mural in responding to any such inquiry or request.
   B. Customer will provide Mural with access to complaint records on reasonable request. Mural may specify reasonable requirements for the format and content of complaint records, and Customer will comply with those requirements.

   Section 5 - The Services
   5.1 Order Forms, Schedules, and Priority. Customer will agree to one or more Order Forms for the Services. Each Order Form incorporates the applicable Schedule(s) containing the specific terms for the Services ordered. If there is any conflict among the documents constituting this Agreement: (i) the applicable Schedule controls as to legal terms, risk allocation, liability limitations, and indemnification; (ii) the Order Form controls as to pricing and other commercial terms; and (iii) the body of this Agreement controls for all other matters.
   5.2 Service Limits. Mural and its Third-Party Providers may set or change funding, conversion, storage, velocity, and individual or aggregate transaction limits as they deem necessary.
   5.3 Beta Services. Mural may make available features designated as beta, pilot, limited-release, or evaluation (“Beta Services”). Customer may accept or decline any Beta Services at its discretion. Beta Services are provided “as is,” may be unstable, feature-incomplete, or subject to erroneous output, and are used at Customer’s own risk. Customer should not use Beta Services for any critical or important functions without taking appropriate precautions to prevent loss or damage.
   5.4 Platform Operations. Mural will use commercially reasonable efforts to make the Services available, but does not guarantee uninterrupted, secure, or error-free operation. Mural may schedule routine maintenance from time to time and will use reasonable efforts to provide prior notice when practicable. Emergency maintenance may be performed at any time without advance notice. Access may also be suspended for security or events beyond Mural’s reasonable control. Customer acknowledges limitations inherent in internet and electronic communications, and Mural is not liable for resulting delays or failures.
   5.5 Transaction Information. When Customer submits a Transaction, Customer will provide all information Mural requests, including information about End Users, Recipients, and source and destination accounts and wallets, as applicable. Customer is solely responsible for the accuracy and completeness of each Transaction and for any Losses arising from any error or omission; Mural and its Third-Party Providers have no obligation to review Transactions for accuracy. Customer must not submit any Transaction that would cause Mural or any Third-Party Provider to violate Applicable Laws.
   5.6 No Right to Cancel; Amendments. Customer has no right to cancel or amend a Transaction once submitted. Mural may, in its sole discretion, attempt to cancel or amend at Customer’s request, but does not guarantee it. No refund is owed unless and until a Third-Party Provider returns funds to Mural, net of losses, fees, or charges.
   5.7 Errors. Customer must promptly notify Mural of any error that Customer knows of, has reason to know of, or should reasonably be expected to know of, including unauthorized Transactions, incorrect amounts, or incorrect End User, Recipient, account, or wallet information. Except where Applicable Laws require Mural to provide error or dispute resolution, Customer is solely responsible for addressing End User and Recipient claims and communications relating to errors. Where Applicable Laws require Mural to provide error or dispute resolution in connection with a Transaction, Customer will cooperate with Mural and promptly provide any information or documentation Mural requests to fulfill those obligations.
   5.8 Rejection or Delay; Reversal; Certain Deferrals. Mural and any Third-Party Provider may reject or delay a Transaction in their sole discretion, including where processing is reasonably likely to violate Applicable Laws or compliance requirements; presents risk of loss; is incorrect, incomplete, unauthorized, or non-compliant; or where there are insufficient balances or liquidity, technical failures; or a likelihood the transaction will fail. The list is illustrative, not exhaustive. Mural further reserves the right to cancel, correct, clawback, or reverse any Transaction in its sole discretion, even after funds have been debited from Customer's account(s), in response to a subpoena, court order, or other government order, or if Mural suspects the Transaction may involve money laundering, terrorist financing, fraud, or any other financial crime or violation of Applicable Laws. Mural is under no obligation to reinstate a reversed Transaction at the same price or on the same terms. In addition, Mural may delay settlement or restrict access to funds while it investigates or resolves a pending dispute, or where required by law, court order, or law-enforcement request. Customer is solely responsible for any Losses arising from a rejection, delay, reversal, or deferral, and may not resubmit a rejected Transaction without Mural’s prior written consent.
   5.9 Fraud Recovery. If Mural restores funds to Customer's Account because of a transaction recovery request and subsequently obtains information indicating that the request may have been based on fraudulent, false, or misleading information, Mural will notify Customer in writing and allow Customer five (5) business days to respond with an explanation and supporting evidence. If Customer fails to respond within the specified period, or if the response does not reasonably address Mural's concerns, Mural may (i) debit from Customer's Account the amount of the restored funds and (ii) demand immediate repayment of any amounts that cannot be debited. Customer is liable for any direct losses, damages, costs, or expenses Mural incurs as a result of a fraudulent or materially misleading recovery request, and will indemnify Mural for such losses in accordance with Section 11 (Indemnification).

   Section 6 - Financial Terms
   6.1 Fees. Customer will pay the Fees set out in the applicable Order Form, without offset or deduction, in U.S. dollars, as invoiced by Mural or otherwise on demand.
   6.2 Late Payment. If Customer fails to make any payment when due, Mural may:
   i. charge interest on the past due amount at 1.5% per month (calculated daily, compounded monthly), or the highest rate permitted by Applicable Laws if lower;
   ii. require Customer to reimburse Mural's reasonable collection costs, including attorneys' fees, court costs, and collection agency fees; and
   iii. if the failure continues for five (5) business days after written notice, suspend Customer's access to any or all of the Services until all past due amounts and interest are paid. These remedies are in addition to all other remedies available to Mural.
   6.3 Taxes. All Fees and other amounts payable by Customer under this Agreement are exclusive of taxes and similar assessments. Customer is responsible for all sales, use, and excise taxes, and any other similar taxes, duties, and charges of any kind imposed by any federal, state, or local governmental or regulatory authority on any amounts payable by Customer, other than any taxes imposed on Mural's income.
   6.4 Auditing Rights and Required Records. Customer will maintain complete and accurate records during the Term and for a period of two (2) years after termination or expiration of this Agreement with respect to matters necessary for accurately determining amounts due hereunder. Mural may, at its own expense, on reasonable prior notice, periodically inspect and audit Customer's records with respect to matters covered by this Agreement, provided that if such inspection and audit reveals that Customer has underpaid Mural with respect to any amounts due and payable during the Term, Customer will promptly pay the amounts necessary to rectify such underpayment, together with interest in accordance with Section 6.2 (Late Payment). Customer will pay for the costs of the audit if the audit determines that Customer's underpayment equals or exceeds five percent (5%) for any quarter. Such inspection and auditing rights will extend throughout the Term and for a period of two (2) years after termination or expiration of this Agreement. Customer will promptly share with Mural the results of any third-party audit relating to Customer's use of the Services, its compliance with this Agreement, or its handling of End User or Recipient information.
   6.5 Rewards. Mural may, in its sole discretion and as specified in the applicable Order Form, make available to Customer a rewards program under which Customer receives credits against its Fees ("Rewards"). Rewards will be applied as a credit against Customer's Fees for the applicable billing period and will not exceed the minimum monthly Fee set out in the Order Form. Rewards do not accrue, carry over, or convert to cash. If this Agreement or the applicable Order Form is terminated, any unused Rewards are forfeited. The eligibility criteria, form, applicable rates or amounts, and all other terms of any Rewards program are as set out in the applicable Order Form. Mural may modify, suspend, or discontinue any Rewards program, or change the terms of any Rewards, at any time on notice to Customer. Nothing in this Section obligates Mural to offer or continue any Rewards program, and Rewards are not guaranteed in any amount.

   Section 7 - Term and Termination
   7.1 Term. This Agreement begins on the Effective Date and continues until terminated under this Section or until all Order Forms are terminated.
   7.2 Termination or Suspension by Mural. Mural may suspend or terminate Customer’s access to the Services, including the Account, at any time, with or without notice, for any reason or no reason, including:
   i. Customer violates this Agreement, Mural policies, or Applicable Laws;
   ii. Mural believes Customer's conduct is fraudulent, harmful, unlawful, or otherwise objectionable;
   iii. Customer's use creates legal, regulatory, security, operational, reputational, or other risk for Mural, its affiliates, Third-Party Providers, or other customers;
   iv. a Regulated Partner directs Mural to suspend or terminate access, or a Third-Party Provider suspends access needed to provide the Services;
   v. Mural or a Regulated Partner suspects circumvention of Applicable Laws, financial crime, sanctions exposure, or interference with an investigation;
   vi. Customer is insolvent, bankrupt, or no longer operating in the ordinary course; or
   vii. Customer's Account has been inactive for an extended period. Customer's termination rights under this Section apply to the Agreement as a whole regardless of which Mural entity's acts or omissions give rise to the termination right.
   7.3 Termination by Customer. Customer may terminate this Agreement for any reason on at least ninety (90) days’ prior written notice to Mural. Termination does not limit Mural’s rights or remedies.
   7.4 Effect of Termination. On suspension or termination:
   i. Mural will have no liability for any consequence of the suspension or termination, regardless of reason;
   ii. all rights and licenses granted to Customer immediately cease and Customer must stop using and destroy all copies of the Mural IP; and
   iii. Customer remains responsible for all Fees and obligations arising before termination, and no refund is owed.
   7.5 Survival. The following survive termination or expiration: Section 2 (as to several liability and accrued matters), Section 6 (amounts owed), Section 8 (reps as to accrued matters), Section 9 (Confidentiality), Section 10 (Intellectual Property), Section 11 (Indemnification), Section 12 (Limitation of Liability), Section 13 (Disclaimers), Section 14 (Governing Law and Dispute Resolution), Section 15 (General Provisions), and any disclaimer, limitation-of-liability, or indemnification provision in any
   Schedule.

   Section 8 - Representations and Warranties
   8.1 Mutual Representations. Each party represents and warrants that:
   i. it is duly organized and in good standing;
   ii. it has the authority to enter into and perform this Agreement and this Agreement is binding on it;
   iii. its execution and performance do not conflict with any Applicable Laws or material agreement; and
   iv. its performance complies with Applicable Laws.
   8.2 Customer Representations. Customer represents and warrants that:
   i. the information it provides is accurate and complete;
   ii. the Platform and Services will be accessed only by Customer, an Authorized User, an End User, or Recipient;
   iii. Customer is authorized to provide all required information, including End User and Recipient information; and
   iv. It will not use the Services in a way that would cause Mural or a Regulated Partner to violate Applicable Laws, including sanctions and export controls.

   Section 9 - Confidentiality
   9.1 Definition. “Confidential Information” means all non-public, proprietary, or confidential information disclosed by one party (“Disclosing Party”) to the other party (“Receiving Party”), whether orally, in writing, electronically, or through inspection of tangible objects, including technical data, trade secrets, know-how, research, product plans, products, services, customers, customer lists, markets, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration information, marketing, finances, or other business information. Mural’s Confidential Information includes the Platform, APIs, Documentation, pricing, usage information, technical specifications, business processes, client data, financial performance, strategic plans, and any other non-public business or technical information relating to the Platform or the Services.
   9.2 Protection. Each Receiving Party will: (i) hold and maintain all Confidential Information in strict confidence; (ii) not disclose any Confidential Information to third parties without the prior written consent of the Disclosing Party; (iii) limit access to Confidential Information to those employees, agents, and contractors who have a strict need to know for the purpose of performing obligations under this Agreement and who are bound by written confidentiality obligations no less restrictive than those in this Agreement; and (iv) not use any Confidential Information for any purpose other than performing its obligations under this Agreement.
   9.3 Exclusions. The obligations in Section 9.2 (Protection) do not apply to information that: (i) is or becomes generally known to the public through no breach of this Agreement by the Receiving Party; (ii) was known to the Receiving Party prior to its disclosure by the Disclosing Party without breach of any obligation owed to the Disclosing Party; (iii) is received from a third party without breach of any obligation owed to the Disclosing Party; or (iv) was independently developed by the Receiving Party without use of or reference to the Disclosing Party’s Confidential Information.
   9.4 Compelled Disclosure. If the Receiving Party is compelled by law or court order to disclose Confidential Information, the Receiving Party will: (i) provide the Disclosing Party with prompt written notice of such compelled disclosure to the extent legally permitted; (ii) disclose only that portion of the Confidential Information which is legally required to be disclosed; and (iii) cooperate with the Disclosing Party’s efforts to obtain confidential treatment or a protective order for such information.
   9.5 Return or Destruction. Upon termination of this Agreement or upon written request by the Disclosing Party, the Receiving Party will promptly return or destroy all documents, materials, and other tangible items containing Confidential Information, including all copies. The Receiving Party will certify in writing that the return or destruction has been completed.
   9.6 Ownership. All Confidential Information remains the sole property of the Disclosing Party. The disclosure of Confidential Information under this Agreement does not grant the Receiving Party any license or other rights in or to such Confidential Information.
   9.7 Collection and Use of Information. Mural may collect and process information through the Platform, the Mural APIs, or the Services about Customer, Authorized Users, End Users, Recipients, and Transactions as necessary to provide the Services, comply with Applicable Laws, and fulfill its obligations to Regulated Partners. This information may include identity verification data, transaction data, account information, and device and usage information. By accessing and using the Services, Customer consents to Mural's collection and use of such information in accordance with Mural's privacy policy. Customer is solely responsible for providing any required privacy notices to, and obtaining any required consents from, End Users and Recipients under Applicable Laws in connection with Mural's collection and processing of their information.

   Section 10 - Intellectual Property
   10.1 Mural IP. As between the parties, Mural owns all right, title, and interest in the Mural IP. All rights not expressly granted are reserved.
   10.2 Customer Materials. As between the parties, Customer owns its Customer Data and any Applications it develops, excluding Mural IP. Customer grants Mural a non-exclusive, worldwide, royalty-free license to host, copy, transmit, display, and otherwise use Customer Data and Applications as necessary to provide the Services, and a perpetual, irrevocable, royalty-free license to use Customer Data incorporated in Aggregated Statistics.
   10.3 Mural Marks. Subject to this Agreement, Mural grants Customer a limited, revocable, non exclusive, non-transferable license to use the Mural Marks solely in connection with Customer's authorized use of the Services and in compliance with any usage guidelines Mural may provide. Customer will also comply with any branding, trademark, or usage requirements of Regulated Partners or other Third-Party Providers that Mural makes available to Customer. Customer will not use the Mural Marks for any other purpose, including the advertising, promotion, or sale of any other products or services. Customer's use of the Mural Marks will not create any right, title, or interest in or to the Mural Marks in favor of Customer, and all goodwill associated with such use will inure to the benefit of Mural.
   10.4 Feedback. Mural may use any feedback without restriction or compensation. Customer assigns to Mural all rights in feedback.
   10.5 Aggregated Statistics. Mural may monitor Customer’s use of the Services and compile Aggregated Statistics. All right, title, and interest in Aggregated Statistics belong to Mural. Mural may make Aggregated Statistics publicly available and use them, provided they do not identify Customer or Customer’s Confidential Information.
   10.6 Safeguarding and Enforcement Cooperation. Customer will use commercially reasonable efforts to safeguard the Mural IP from infringement, misappropriation, theft, misuse, and unauthorized access. Customer will promptly notify Mural if Customer becomes aware of any infringement of any intellectual property rights in the Mural IP and will cooperate with Mural in any legal action taken by Mural to enforce its intellectual property rights.

   Section 11 - Indemnification
   11.1 Mutual Indemnification. Each party (“Indemnifying Party”) will defend, indemnify, and hold harmless the other party and its affiliates, officers, directors, employees, and agents ("Indemnified Parties") from and against any and all Losses arising out of or related to Third-Party Claims that arise from the Indemnifying Party’s:
   i. breach of any representation, warranty, or obligation under this Agreement;
   ii. gross negligence, willful misconduct, or fraud; or
   iii. infringement, misappropriation, or violation of a third party’s intellectual property rights.
   11.2 Customer Indemnification. In addition to the obligations in Section 11.1 (Mutual Indemnification), Customer will defend, indemnify, and hold harmless Mural and its Indemnified Parties from and against any and all Losses arising out of or related to Third-Party Claims that arise from:
   i. Customer’s access to, use of, or inability to use the Platform or Services, including activity under
   the Account whether authorized or not;
   ii. Customer’s violation of Applicable Laws;
   iii. Customer’s content or conduct;
   iv. disputes over exchange rates, Digital Asset values, or Fees;
   v. payment fraud, payment disputes, or unauthorized transactions;
   vi. incorrect, incomplete, or invalid End User, Recipient, account, or wallet information; and
   vii. attempted cancellation or amendment of, or errors in, Transactions, or failure to promptly notify Mural of an error.
   11.3 Indemnification Exclusions.
   A. Mutual Exclusions: The Indemnifying Party will have no obligation to indemnify theIndemnified Parties from any Third-Party Claims to the extent the Losses arise from or are attributable to:
   I. the gross negligence, willful misconduct, or fraud of any Indemnified Party;
   II. any Indemnified Party’s breach of this Agreement; or
   lll. any Indemnified Party’s violation of Applicable Laws.
   B. Additional Mural Exclusions. In addition to the exclusions in subsection (A) above, Mural’s indemnification obligations under Section 11.1 (Mutual Indemnification) will not apply to any Third-Party Claim if such claim arises from:
   I. modifications to the Services made by or for Customer without Mural’s authorization; or
   II. combining the Services with any products or services that Mural does not provide.
   11.4 Indemnification Procedures.
   A. Notice. The Indemnified Party must notify the Indemnifying Party in writing of any Third-Party Claim for which it seeks indemnification within 15 days after a Third-Party Claim has commenced, or 30 days in all other circumstances, provided that failure to give timely notice will not relieve the Indemnifying Party of its obligations except to the extent the Indemnifying Party is materially prejudiced by the failure.
   B. Defense Control. The Indemnifying Party will have the right to control the defense and settlement of any claim it is indemnifying, but may not settle in a manner that admits fault by, or imposes any obligation on, the Indemnified Party without the Indemnified Party’s prior written consent, not to be unreasonably withheld.
   C. Cooperation. The Indemnified Party will reasonably cooperate with the Indemnifying Party in the defense and settlement of any claim, at the Indemnifying Party’s expense.
   D. Participation. The Indemnified Party may participate in the defense of any claim through counsel of its own choosing at its own expense, provided that the Indemnifying Party retains control as provided above.
   E. Mural Defense Rights. Mural may, at Customer’s expense, assume exclusive defense and control of any matter for which Customer is required to indemnify Mural. Customer may not settle any claim against Mural without Mural’s prior written consent, which Mural may withhold at its sole discretion.

   Section 12 - Limitation of Liability
   12.1 Exclusion of Indirect Damages. To the fullest extent permitted by Applicable Laws, neither party will be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for lost profits, revenues, savings, business, or goodwill; loss of or inability to use, interruption, delay, or recovery of data; breach of data or system security; cost of substitute goods or services; reputational harm; or other intangible losses, however caused and under any theory, even if advised of the possibility, and neither party will be liable for liquidated damages.
   12.2 Direct Damages Cap. Except as set out in a Product Exhibit, each party’s total cumulative liability arising out of or relating to this Agreement will not exceed the total Fees paid or payable by Customer to Mural under this Agreement in the twelve (12) months before the event giving rise to the claim. This cap applies in the aggregate to both Mural entities combined.
   12.3 Suit Limitation. Any claim arising out of or relating to this Agreement must be brought within one (1) year after the event giving rise to it.
   12.4 Exclusions from Limitations. The limitations in 12.1 (Exclusion of Indirect Damages) and 12.2 (Direct Damages Cap) do not apply to
   i. either party’s indemnification obligations;
   ii. Customer’s payment obligations;
   iii. either party’s confidentiality obligations; or
   iv. either party’s gross negligence, willful misconduct, or fraud.
   12.5 Allocation of Risk; Nature of Claims. These limitations reflect an allocation of risk in view of the Fees, are material terms, and apply regardless of the theory or form of action and even if any limited remedy fails of its essential purpose.

   Section 13 - Disclaimers
   13.1 No Warranty. The Services are provided “as is” and “as available,” without warranties of any kind, express or implied. Mural disclaims all implied warranties of merchantability, fitness for particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade. Mural does not warrant that the Services, or any products or results of the use thereof, will meet Customer’s requirements, operate without interruption, achieve any intended result, be compatible or work with any software, system, or other services, or be secure, accurate, complete, free of harmful code, or error-free, or that any errors or defects can or will be corrected.
   13.2 Assumption of Digital Asset Risk. Customer assumes all risks associated with using the Services and transacting in or holding Digital Assets, including stablecoins, and with using decentralized systems generally. These risks include, without limitation, volatility in value (including the risk that a stablecoin may lose its peg to the reference currency), illiquidity, limited or delayed accessibility, technological failure, and total loss of value. Customer is solely responsible for evaluating these risks and for ensuring that End Users and Recipients are informed of and understand them before initiating Transactions.
   13.3 Operation of Digital Asset Protocols.

   A. Mural does not own, operate, or control the blockchain networks or other distributed ledger protocols on which Digital Assets, including stablecoins, may be issued or transacted (“Blockchain Protocols”), transferred, or settled. Blockchain Protocols are typically open- source and governed by decentralized communities or third-party developers beyond Mural's control. Mural assumes no responsibility for the operation, functionality, security, or
   availability of any Blockchain Protocol and does not guarantee that Blockchain Protocol operations will be uninterrupted, error-free, or compatible with the Services at any given time.
   B. Blockchain Protocols may be subject to changes in operating rules, software upgrades, reorganizations, or forks that may materially affect the availability, functionality, value, or settlement of a Digital Asset. Mural does not control the timing, nature, or implementation of any such changes. In the event of a fork or other material change to a Blockchain Protocol, Mural may, in its sole discretion and without liability, temporarily suspend processing of affected Transactions, modify the Services, discontinue support for any affected Digital Asset, and determine whether to support any resulting network, version, or representation of such Digital Asset.
   C. Customer acknowledges and accepts the risks associated with Blockchain Protocols and changes thereto, including the risk that a fork may render certain Digital Assets unsupported, inaccessible, or valueless. Mural is not responsible or liable for any loss, delay, or inability to access, transfer, or settle Digital Assets resulting from Blockchain Protocol changes, network congestion, or protocol failures.
   13.4 Stablecoin Risks.
   A. Stablecoins are Digital Assets issued, administered, and redeemed by third-party issuers; they are not legal tender, are not insured by any governmental agency, and are not guaranteed by Mural or any Regulated Partner. The value, redeem ability, and liquidity of a stablecoin depend on the actions, financial condition, reserve management practices, and regulatory status of the issuer and its service providers. Stablecoin issuers may, without notice to Mural, suspend or restrict minting or redemption, modify token functionality, freeze or blacklist wallet addresses, or become subject to regulatory actions, enforcement proceedings, or insolvency events that materially affect the availability or usability of the stablecoin.
   B. Mural does not issue, guarantee, or back any stablecoin and has no control over the management of reserves, redemption mechanisms, or operations of any stablecoin issuer. Mural makes no representations regarding any stablecoin’s backing, reserve composition, audit status, or compliance with Applicable Laws. Mural will not be responsible or liable for any loss, delay, devaluation, or inability to acquire, hold, transfer, convert, settle, redeem, use, or dispose of a stablecoin arising from issuer actions, de-pegging events, reserve insufficiency, insolvency, regulatory intervention, or other circumstances outside Mural's control.
   C. Mural does not act as a redemption agent for any stablecoin issuer and has no obligation to facilitate the redemption of stablecoins for fiat currency. The Services facilitate the transfer and settlement of stablecoins; they do not constitute a guarantee that any stablecoin can be redeemed at par or at all.
   13.5 No Professional Advice. Content made available through the Services is for informational and transactional purposes only and is not investment, financial, legal, tax, or accounting advice. Mural does not advise on the suitability, value, risk, legality, or tax treatment of any Digital Asset or transaction. Customer should conduct its own diligence and consult a professional advisor.

   Section 14 - Governing Law and Dispute Resolution
   14.1 Governing Law. This Agreement and all disputes are governed by the laws of the State of New York, without regard to conflict-of-law principles.
   14.2 Informal Resolution; Mediation. Before commencing arbitration, the parties will attempt in good faith to resolve any dispute through negotiation and, if unresolved within thirty (30) days, through non-binding mediation administered by the AAA in New York, New York. If mediation does not resolve the dispute within thirty (30) days after the mediation request is submitted, either party may proceed to arbitration under Section 14.3.
   14.3 Arbitration. Any dispute not resolved under 14.2 (Informal Resolution) will be finally resolved by binding arbitration administered by the AAA under its Commercial Arbitration Rules (with the Expedited Procedures applying where no claim exceeds $100,000), before a single arbitrator with experience in financial services, financial technology, or digital asset matters, seated in New York, New York, conducted in English. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator decides arbitrability and may grant any remedy available at law, subject to this Agreement’s limitations. Nothing in this Section 14 limits either party's right to seek equitable relief under Section 15.9 in any court of competent jurisdiction.
   14.4 Class Waiver. Arbitration will proceed only on an individual basis. The parties waive any right to bring or participate in any class, collective, consolidated, or representative proceeding.
   14.5 Confidentiality; Jury Waiver. The arbitration, including documents, evidence, and awards, is confidential except as required by Applicable Laws or to enforce an award. To the extent any Dispute proceeds in court, each party waives any right to a jury trial. Each party bears its own attorneys’ fees and costs unless the arbitrator awards otherwise.

   Section 15 - General Provisions
   15.1 Entire Agreement. This Agreement, together with the Schedules and Order Forms, is the entire agreement between the parties and supersedes all prior understandings on this subject matter. The order of precedence in Section 5.1 governs any conflict.
   15.2 Amendment; Waiver. This Agreement may be modified only by a writing signed by both parties. A waiver is effective only if in writing and signed by the waiving party. No failure or delay in exercising any right operates as a waiver.
   15.3 Severability. If any provision is invalid or unenforceable, it will be enforced to the maximum extent permitted and the remainder will remain in effect.
   15.4 Non-Solicitation. During the Term and for one (1) year after termination or expiration of this Agreement, Mural will not solicit Customer's End Users to end or reduce their relationship with Customer, and Customer will not solicit Mural's Regulated Partners, Third-Party Providers, or employees to end or reduce their relationship with Mural. General advertising not targeted at any of the persons or entities described above is not a violation of this Section.
   15.5 Independent Contractors; No Agency. The parties are independent contractors. Nothing creates an agency, partnership, joint venture, or fiduciary relationship between Mural and Customer or between Mural and any End User or Recipient.
   15.6 Force Majeure. Mural is not liable for any delay or failure to perform to the extent caused by events beyond its reasonable control, including significant market volatility, acts of God, government action, terrorism, civil unrest, war, labor disputes, fire, power or telecommunications failures, equipment or software failures, and pandemics. Customer’s payment obligations are not excused by a force-majeure event.
   15.7 Assignment. Customer may not assign this Agreement without Mural’s prior written consent, and any attempted assignment without consent is void. Mural may freely assign this Agreement, including to an affiliate or in connection with a merger, reorganization, or sale of all or substantially all of its assets or equity. This Agreement binds each party and its permitted successors and assigns.
   15.8 Notices. All notices, requests, consents, claims, demands, waivers, and other communications hereunder (each, a “Notice”) must be in writing and addressed to the parties at the addresses set forth on the first page of this Agreement (or to such other address that may be designated by the party giving Notice from time to time in accordance with this Section). All Notices must be delivered by personal delivery, nationally recognized overnight courier (with all fees pre-paid), email, or certified or registered mail (in each case, return receipt requested, postage pre-paid). An email delivered Notice is effective without confirmation of receipt, delivery, or reading. Mural may also deliver Notices by posting on the Platform or through other electronic communications via the Account, including notifications of maintenance, Regulated Partner changes, service limits, and policy updates. Except as otherwise provided in this Agreement, a Notice is effective only: (i) upon receipt by the receiving party, and (ii) if the party giving the Notice has complied with the requirements of this Section.
   15.9 Equitable Relief. Each party acknowledges that breach of its confidentiality obligations (Section or, by Customer, of the use restrictions or intellectual property provisions (Sections 3 and 10) would cause irreparable harm for which monetary damages are inadequate. The non-breaching party is entitled to equitable relief, including injunctive relief and specific performance, without bond and without proving actual damages. These remedies are in addition to all others available at law or in equity.
   15.10 Export Controls. The Mural Services may be subject to U.S. export-control laws, including the Export Control Reform Act and its regulations. Customer will not export, re-export, or release the Mural Services to any prohibited jurisdiction or party and will obtain any required governmental approvals before doing so.
   15.11 Counterparts; Electronic Signatures. This Agreement may be signed in counterparts, including by PDF or electronic signature, each an original and together one agreement.

   Appendix A - Definitions, Rules of Construction, and Interpretation

   “Aggregated Statistics” means data related to use of the Mural Services that Mural uses in aggregated and anonymized form, including to compile statistical and performance information. “Applicable Laws” means (a) any international, national, state, local, or other constitutional, statutory, case, or common law that applies to a party; (b) any regulation, rule, supervisory or administrative guidance, directive, or interpretation promulgated or published by any governmental authority that is applicable to or binding upon either party; (c) any judicial, administrative, or other governmental order, judgment, decree, decision, permit, or ruling that is binding upon or otherwise applicable to a party; or (d) Payment Network Rules; as any of the foregoing may be amended and in effect from time to time during the Term.
   “Applications” means any applications developed by Customer to interact with the API and the Services.
   “Authorized User” means Customer’s employees, consultants, contractors, representatives, and agents authorized by Customer to access the Services on its behalf.
   “Customer Data” means information, data, and content submitted or transmitted by or on behalf of Customer or an Authorized User through the Mural Services, other than Aggregated Statistics.
   “Customer User” means Customer as a direct user of the Mural Services for its own business purposes, either through an Internal-Use Integration or via the Platform.
   “Digital Asset” means a blockchain-based representation of value, including stablecoins, transferable using distributed-ledger technology and eligible for processing through the Services.
   “Documentation” means Mural’s user manuals, guides, and other documentation relating to the Mural Services that Mural makes available to Customer for use of the Mural Services.
   “End User” means Customer’s clients, including merchants, customers, or other end users of Customer that Customer onboards to the Mural Services.
   “End User Integration” means provision of the Mural Services to Customer and its End Users.
   “Fees” means the fees payable by Customer as set out in the applicable Order Form and Schedule.
   “Internal Use Integration” means provision of the Mural Services to Customer for its own internal business use.
   “Losses” means all monetary losses, claims, damages, liabilities, costs, charges, reasonable documented out-of-pocket attorneys’ fees, judgments, fines, expenses, amounts paid in settlement, and all other financial liabilities regardless of the nature of the claim, form of action, or legal theory.
   “Mural APIs” means Mural’s application programming interfaces, SDKs, endpoints, and API Documentation made available to Customer, including any updates, bug fixes, patches, or error corrections that Mural generally makes available to licensees free of charge.
   “Mural IP” means the Mural Services, Mural APIs, Documentation, Mural Marks, Aggregated Statistics, and all related intellectual property; it does not include Customer Data.
   “Mural Marks” means Mural’s trademarks, trade names, branding, and logos made available for use under this Agreement.
   “Order Form” means a Customer-specific ordering document that selects the Services and Schedules and sets the term, pricing, and other commercial terms.
   “Payment Network Rules” means the rules and requirements of any payment network, scheme, or settlement or clearing system Mural or its Regulated Partners use to provide the Services.
   “Platform” means the web-based application made available by Mural, including any associated dashboards, interfaces, and tools, through which the Mural Services may be accessed and used.
   “Recipient” means a person or entity designated to receive funds or Digital Assets under a Transaction.
   “Regulated Partner” means a licensed or regulated financial institution, money transmitter, or other regulated entity that provides or enables regulated aspects of the Services, including supplying licensing or authorization where Mural Networks is not licensed.
   “Schedule” means a service-specific schedule incorporated through an Order Form that contains the terms for a particular Service.
   “Services” means the technology, software, and financial-technology services Mural makes available through the Mural APIs, the Platform, or both as further described in each applicable Schedule and Order Form, and any further services as Mural may provide.
   “Third-Party Claim” means any actual or threatened lawsuit, claim (including counterclaim or crossclaim), investigation, or proceeding by any person or entity that is not a party to this Agreement (including regulatory authorities) asserted against an Indemnified Party.
   “Third-Party Provider” means a Regulated Partner or other third party engaged by Mural to provide or enable the Services.
   “Transaction” means any digital order, refund, or other instruction or transaction initiated by Customer, an Authorized User, or an End User through the Mural Services.
   “Updates” means updates, bug fixes, patches, or error corrections to the Mural APIs or Services that Mural generally makes available to licensees free of charge.
   “User” means an End User or Customer User.
   
   

   Rules of Construction; Interpretation
   As used in this agreement: (a) all references to a plural form of a term include the singular form (and vice versa); (b) the terms “include” and “including” are meant to be illustrative and not exclusive, and will be deemed to mean “include without limitation” “including, but not limited to”, or “including without limitation;” (c) the word “or” is both conjunctive and disjunctive; (d) the word “and” is conjunctive only; (e) references to “days” mean calendar days unless otherwise indicated through the use of the phrase “business day”; (f) unless the context clearly and unmistakably requires otherwise: (i) terms such as ‘party A will take action X’ mean that party A is required and has a current commitment to take action X; (ii) likewise, terms such as ‘party B will not take action Z’ means that party B is prohibited from taking action Z; and (g) any reference made in this agreement to a statute or statutory provision means such statute or statutory provision as it has been amended through the date as of which the particular portion of this agreement is to take effect, or to any successor statute or statutory provision relating to the same subject as the statutory provision referred to in this agreement, and to any then-applicable rules or regulations, unless otherwise stated in this agreement.
   
   

   Product Exhibit [●] – Mural API Services
   This Product Exhibit [●] is part of and governed by the Mural Master Services Agreement (the “Agreement”). Capitalized terms not defined in this Product Exhibit [●] have the meanings in the Agreement.

   Section 1 - Term
   1.1 Term. The term for this Product Exhibit [●] is as stated in the Order Form.

   Section 2 - Mural API Services
   2.1 Services. This Exhibit governs Customer’s use of the Mural APIs to build Applications and to provide the Mural Services to End Users through an End User Integration, and Customer’s direct use of the Platform under an Internal-Use Integration.
   2.2 API License and Platform Use. Subject to this Agreement, Mural grants Customer a limited, revocable, non-exclusive, non-transferable, non-sublicensable license during the Term for:
   i. an End User Integration to use the Mural APIs to integrate into its Applications to onboard End Users and provision End User accounts; and
   ii. an Internal-Use Integration to use the Platform to submit and manage Transactions on Mural’s own behalf.
   2.3 API-Specific Restrictions. In addition to Section 3.2 of the Agreement, Customer will not:
   I. combine or integrate the Mural APIs with materials not authorized by Mural;
   II. design or permit any Application to disable, override, or interfere with Mural-implemented communications to End Users, consent screens, settings, alerts, or warnings;
   III. use the Mural APIs to replicate or replace the essential user experience of the Mural Services (this does not prohibit Customer from building its own distinct customer-facing interface through authorized API use); or
   IV. cloak or conceal Customer’s or any Application’s identity when requesting API authorization. Mural may set and enforce API usage limits in its sole discretion, communicated to Customer; exceeding them requires Mural’s written consent and may incur Fees.
   2.4 API Keys. Mural will issue Customer one or more API keys to access the Mural APIs ("API Keys"). Customer must use API Keys as its sole means of programmatic access to the Mural APIs. Customer is solely responsible for the security of its API Keys and must store them securely, restrict access to authorized personnel, and not embed API Keys in client-side or publicly accessible code. Customer is responsible for all activity that occurs using its API Keys, whether or not authorized by Customer. Customer must notify Mural immediately at security@muralpay.com if it suspects that an API Key has been compromised, disclosed to an unauthorized party, or used without authorization. Mural may revoke, rotate, or reissue API Keys at any time, including if Mural suspects misuse or a security incident, and ma suspend access to the Mural APIs pending resolution.
   2.5 Test Environment. On request, Mural may grant Customer access to a non-production test environment for integration and testing ("Test Environment"). The Test Environment is provided "as is," and Mural disclaims all warranties with respect to its functionality, availability, accuracy, and completeness. The Test Environment may be used solely with test data and test funds. Customer must not send real funds or real Digital Assets to any Test Environment address, and Mural has no responsibility or liability for any loss resulting from doing so. Upon successful verification of Customer, the Test Environment may be converted to a fully functional Account. Customer may also request and maintain separate Accounts for test and live use.
   2.6 End-User Integration Obligations. For End User Integrations, Customer will:
   I. present and obtain End Users’ acknowledgement of the applicable Mural end-user terms, privacy notice, and Regulated Partner terms;
   II. provide records evidencing those acknowledgements; and
   III. provide any information Mural needs to meet its obligations to Regulated Partners and regulators. Mural has sole discretion to approve any End User.

   Section 3 - Self-Custodial Wallets and Connected Accounts.
   3.1 Self-Custodial Wallets. As part of the Services, Mural may provision self-custodial (non-custodial) digital wallets to Customer and, where applicable, to End Users. Self-custodial wallets remain under the sole control and custody of Customer or the applicable End User at all times. Mural does not hold, safeguard, or control any Digital Assets in a self-custodial wallet and has no obligation to recover Digital Assets that are lost due to loss of private keys, unauthorized access, or User error.
   3.2 Connected Accounts. To process Transactions on its own behalf, Customer must provide at least one bank account to fund Transactions or to receive the proceeds of Transactions ("Connected Account"), or at least one Digital Asset wallet address ("Stablecoin Wallet") to receive or send Digital Assets. A Connected Account or Stablecoin Wallet must be under Customer's sole ownership or control, and Mural may suspend Transactions if it suspects that Customer does not own or control its Connected Account or Stablecoin Wallet.
   
   Product Exhibit [●] – Mural Platform Services
   This Product Exhibit [●] is part of and governed by the Mural Master Services Agreement (the “Agreement”). Capitalized terms not defined in this Product Exhibit [●] have the meanings in the Agreement.

   Section 1 - Term
   1.1 Term. The term for this Product Exhibit [●] is as stated in the Order Form.

   Section 2 - Mural Platform Services
   2.1 Services. This Exhibit governs Customer’s and its Authorized Users’ access to and internal use of the Platform as a software-as-a-service offering.
   2.2 Access Grant. Subject to this Agreement, Mural grants Customer a non-exclusive, non- transferable right to access and use the Platform during the Term, solely for Customer’s internal business use by Authorized Users. Mural will provide the necessary credentials and connections.

   Section 3 - Self-Custodial Wallets and Connected Accounts.
   3.1 Self-Custodial Wallets. As part of the Services, Mural may provision self-custodial (non-custodial) digital wallets to Customer. Self-custodial wallets remain under the sole control and custody of Customer at all times. Mural does not hold, safeguard, or control any Digital Assets in a self custodial wallet and has no obligation to recover Digital Assets that are lost due to loss of private keys, unauthorized access, or User error.
   3.2 Connected Accounts. To process Transactions on its own behalf, Customer must provide at least one bank account to fund Transactions or to receive the proceeds of Transactions ("Connected Account"), or at least one Digital Asset wallet address ("Stablecoin Wallet") to receive or send Digital Assets. A Connected Account or Stablecoin Wallet must be under Customer's sole ownership or control, and Mural may suspend Transactions if it suspects that Customer does not own or control its Connected Account or Stablecoin Wallet.

   Country Schedule: Colombia
   Muralpay Colombia S.A.S., a Colombian sociedad por acciones simplificada (S.A.S.), NIT 901.984.109 4, with registered offices at Cr 13 A No. 89-31, Torre 2, Apto 406, Bogotá D.C., Colombia ("Mural Colombia"), is designated as an International Affiliate under Section 2.4 of the Agreement. This Country Schedule is part of and governed by the Mural Master Services Agreement (the "Agreement"). Capitalized terms not defined in this Schedule have the meanings in the Agreement.

   Section 1 - Scope
   Mural Colombia is the providing entity for Services delivered to or for the benefit of Customers, End Users, or Recipients located outside the United States. For Services delivered within the United States, the providing entity continues to be determined under Section 2.1 of the Agreement.

   Section 2 - Export of Services; Colombian VAT
   2.1 Customer represents, warrants, and certifies that: (i) Customer is domiciled outside the Republic of Colombia; (ii) the Services provided under this Schedule are contracted, used, and consumed by Customer exclusively outside the territory of Colombia; and (iii) Customer has no domicile or permanent establishment in Colombia to which the Services relate.
   2.2 On the basis of the certification in Section 2.1, the Services provided by Mural Colombia to Customer qualify as an export of services under applicable Colombian law and are exempt from Colombian value-added tax (VAT) at a rate of zero percent (0%).
   2.3 The Services will be considered exported to the United States of America or the country of residence of Customer for purposes of compliance with Colombian tax law.
   2.4 (For purposes of Article 2.10.2.6.12 of Decree 1080 of 2015, the Parties acknowledge and agree that: (i) the value of the Services is set out in the applicable Order Form; (ii) the country of export is as stated in Section 3(c); and (iii) a description of the Services is set out in the Agreement and the applicable Order Form.
   2.5 Mural Colombia will use commercially reasonable efforts to maintain its Registro Único Tributario (RUT) reflecting the activity of service exporter, and to complete any other registrations or formalities required to give effect to the export-of-services VAT exemption described in this Section 2.
   2.6 Customer will promptly notify Mural in writing if any certification in Section 3(a) ceases to be accurate. If Customer becomes domiciled in Colombia, or the Services become used or consumed in Colombia, the parties will cooperate in good faith to address any resulting change in tax treatment,
   including any applicable VAT and withholdings, and Mural may adjust invoicing and the providing entity accordingly.
   2.7 This certification is provided to enable Mural Colombia to invoice and file VAT in Colombia in
   accordance with applicable law. Fees remain exclusive of taxes as set forth in Section 6.3 (Taxes) of the Agreement.

   Section 3. - Invoicing
   Mural Colombia may issue invoices to Customer for the Services in accordance with the applicable Order Form and applicable Colombian electronic invoicing (facturación electrónica) requirements. Payment terms, currency, and fee amounts remain as set forth in the applicable Order Form.

   Section 4 - Governing Law
   The governing law and dispute resolution provisions of Section 14 of the Agreement (State of New York) remain unchanged and apply to this Schedule.

   Section 5 - Limitation
   This Schedule applies only where Customer is domiciled outside Colombia. Customers domiciled in Colombia require separate terms addressing Colombian VAT and withholding obligations