Reimagine Programmable Money

Use Mutuals’ unopinionated infrastructure to create any payment strategy you can imagine. Low-cost, global, and built for both crypto-natives and mainstream users.

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Programmable Payments

Build custom payment strategies using hooks or choose from pre-built options. Define exactly how funds flow from shared pools. No coding is required for standard setups.

Borderless and Trustless

Send payments globally at a fraction of traditional costs. Once rules are set, their enforcement is guaranteed through smart contracts.

Put Idle Assets to Work

Integrate any existing DeFi protocol, to automatically earn yield on assets that would otherwise sit idle. Easy to set up using the same programmable logic.

See Mutuals in Action

Explore the Payment Pool Demonstration and see how funds can be managed and distributed

Available on 7+ networks

Tailored to your needs

Built for Depth with Intuitive Use

Automate global payroll, integrate DeFi protocols, and much more, leveraging full composability with the on-chain ecosystem with technical sovereignty.

Mutuals for Full Control over Programmable Payments

Programmable money without the hurdles of web3. Receive payments directly to an email, phone number, social handle, or passkey.

Mutuals for Frictionless Access with Zero Configuration

Use

Free To Use

Zero protocol fees. Optional donation-based funding program with special rewards.

Multiple Wallets

Connect multiple wallets at once. Intuitive multi-account overview of incoming and outgoing funds.

Explore

Open Source

Mutuals is open source and decentralized, with no owner, upgradability, or special privileges.

Blog

Updates, guides, and community insights to help you get the most out of Mutuals.