What happens when artificial intelligence agents begin managing money, paying bills and executing financial transactions on behalf of people and businesses? On FINTECH.TV’s Startup to Stock Exchange, Kristin Myers speaks with Sinclair Toffa, Co-Founder and CEO of Mural, about the future of agentic finance, the challenges of cross-border payments and how the company is building financial infrastructure designed for a world where both humans and AI agents can move money securely.
Toffa shares the personal experiences that inspired Mural’s creation, including the challenges of sending money to family in Togo, West Africa. Growing up with connections across the U.S., France and Argentina, he witnessed how international transfers could take days or weeks, involve unexpected fees and create uncertainty when payments failed to arrive. These experiences helped shape his vision of a more connected global financial system where businesses and individuals can access financial services without navigating fragmented banking networks.
The conversation explores how Toffa and fellow Co-Founder Chris Fernandes brought their experience as former Palantir engineers into financial technology. After working on connecting complex enterprise data systems, the two recognized similar challenges across global banking and payments. Mural’s solution is a unified financial infrastructure platform that enables fintech companies and businesses to manage accounts, payments, identity verification and regulatory compliance through a single API.