# Mula

> A wallet you own. Agents that trade within a limit you set. A card to spend what it earns.

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

## 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. Copy: Settings Allow agent to sign, then Treasury / Mula wallet / https://mymula.io/copy switches.
- MCP tools never receive private keys. confirm_* only runs after passkey verification at https://mymula.io/settings/mcp/verify.

## Optional

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