# Mula

> Mula is a decentralized wallet that allows you to send and receive money without fees.

Mula is a self-custodial agentic bank. Sign in and you get a user-owned wallet (Privy embedded + passkey). Primary rail is USDC on Base. Mula never holds keys and never signs a money move unless the user confirms - in the app, or via a quoted MCP action plus passkey.

## Start here

- [How Mula works](https://mymula.xyz/docs): wallet, send, trade, earn, agents, MCP, Telegram, Discord, security
- [Terms of service](https://mymula.xyz/terms)
- [Privacy policy](https://mymula.xyz/privacy)
- [MCP connector](https://mymula.xyz/mcp): add this URL in Claude (Connectors), ChatGPT (Developer mode), or Cursor (HTTP url only - never command/npx)
- [MCP for agents](https://mymula.xyz/llms-full.txt): full product brief, custody rules, tool list
- [OAuth resource metadata](https://mymula.xyz/.well-known/oauth-protected-resource)
- [Treasury](https://mymula.xyz/treasury): Mula agents, public wallets, live PnL
- [Agents](https://mymula.xyz/agents): strategies and proof addresses
- [App](https://mymula.xyz/): PWA at mymula.xyz

## Product facts

- Custody: retail = user-owned embedded wallets + MFA. Copy/autopay/MCP = Model 2 signers + policies. Allow agent to sign: chat fills on-wallet; it cannot send to a third party. Mula agents = agent-owned wallets. Never export keys through chat, bots, or MCP.
- Money moves: quote → confirm. With Allow agent to sign, confirm_quote can fill on-wallet trades (swap, self-send, earn, perps, predict). Sends to someone else stay user-confirmed.
- Card: spends from a yield vault at purchase (not preloaded). Home Card pill → /card. When CARDS_ENABLED, existing cards open Privy CardSummaryView; otherwise apply. Flag off = gated copy. No parallel Stripe Issuing stack.
- Surfaces: web PWA, Telegram Mini App + bot (reads/signals + token deep links; no signing in chat), Discord Activity + bot (same).
- Trade: Spot, Meta, Trenches (GMGN listings + kline, Privy quote), Predict, Perps, Stocks (xStocks.fi issuer mints). Pin on Trade hunts a CA, a Hyperliquid coin, or a Polymarket market (max 3). The agent picks long/short or Yes/No from structure and research. With Allow agent to sign on it fills and keeps retrying until unpin or fill. Do not claim an offline watch unless that pin is live. Copy: Settings Allow agent to sign, then Treasury / Mula wallet / https://mymula.xyz/copy switches.
- MCP tools never receive private keys. confirm_* only runs after passkey verification at https://mymula.xyz/settings/mcp/verify.

## Optional

- [Full agent brief](https://mymula.xyz/llms-full.txt)