Crypto payments firm MoonPay has announced the launch of MoonPay Agents, a non-custodial software layer that provides autonomous AI agents to create digital wallets and make on-chain transaction without human interference.
This infrastructure is built on Moonpay’s command line interface, making the Moonpay services accessible to autonomous AI agents. After a user completes initial setup, the AI agent can trade, swap, and transfer digital assets on the blockchain on behalf of the user.
Agent economy – User-controlled wallets
This infrastructure targets the “agent economy,” which means that, while agents can autonomously manage funds, the users retain ultimate control over their private keys, which are stored on their own devices, not held by MoonPay.
“AI agents can reason, but they cannot act economically without capital infrastructure,” stated Ivan Soto-Wright, CEO and founder of MoonPay. He added that the fastest way to move money is crypto, and the company has built the infrastructure to let agents do exactly that in a matter of minutes.
The all-in-one infra for on-chain trading
The infra is built to support the full financial cycle on-chain, allowing bots to handle everything from fiat to crypto on-ramping via bank transfers or Apple Pay to complex trading and off-ramping back to fiat.
After initial KYC (know your customer) is done by the user, agents can autonomously create wallets, swap, and manage portfolios within predefined limits. To ensure that agents never run out of liquidity, automated features like recurring purchases and programmatic trading strategies are included in the system.
One of the key feature of the launch is the native compatibility with the x402 standard, which allows seamless payments across compatible endpoints without any human interference.
According to Moonpay, the software layer can scale from single-user setups to a network of millions of AI agents using the system at the same time. To maintain security during these high-speed operations, the system includes multi-party computation (MPC), transaction simulations, and strict spending limits to prevent unauthorized capital outflow.
By providing virtual accounts for USD, EUR, and GBP, MoonPay allows these AI agents to receive bank payments directly, blurring the line between traditional finance and the decentralized one.
