MoonPay Launches MoonPay Agents to Give AI Direct Access to Wallets and Payments

MoonPay just shipped the infrastructure that lets AI agents spend money. The company launched MoonPay Agents, a non-custodial software layer connecting autonomous AI systems to crypto wallets and fiat rails.

This solves a real problem. AI agents can reason and plan. However, they cannot move money without human approval at every step. MoonPay Agents changes that equation entirely.

Your AI agents need crypto. Now they have it.

Introducing MoonPay Agents, the non-custodial infrastructure for autonomous transactions.

Onramp
Swap across chains
Trade onchain
Offramp

Multi-chain. Native x402 support. One CLI prompt.

https://t.co/7Shff929Og pic.twitter.com/zlTYlns1tW

— MoonPay (@moonpay) February 24, 2026

How MoonPay Agents Works

The system runs on MoonPay CLI, a developer-focused command-line interface. Users complete KYC verification once, fund a wallet, and grant their agent permission to transact. From there, the agent operates independently within set limits.

Importantly, users keep control of their private keys. Multi-party computation secures wallet access. Additionally, the system runs transaction simulations before execution. Spending limits act as safeguards against runaway agents.

A single CLI prompt gets developers started. The platform supports over 100 tokens across major networks. These include Ethereum, Solana, Base, Arbitrum, Optimism, Polygon, and Bitcoin.

AI agents can reason, but they cannot act economically without capital infrastructure, MoonPay is the bridge between AI and money.

MoonPay CEO Ivan Soto-Wright

Core Capabilities

MoonPay Agents handles the full payment lifecycle. Agents can onramp fiat to crypto directly. They can execute cross-chain swaps without manual intervention. Additionally, they can run onchain trading strategies autonomously.

The offramp feature converts crypto back to fiat when needed. Recurring buys let agents schedule automated purchases to maintain funding. Virtual accounts enable bank payments via US, EU, and GBP accounts.

Furthermore, the system integrates Apple Pay, Venmo, and PayPal. This gives agents access to the same payment rails humans use daily.

The x402 Connection

MoonPay Agents supports x402, the machine-to-machine payment protocol. Coinbase launched this standard in May 2025. It activates HTTP status code 402, dormant since the early days of the web.

The x402 protocol enables AI agents to pay for resources using stablecoins. No API keys or subscriptions needed. Agents simply pay when they need access. This creates a true machine economy.

“In five years, more economic activity will happen between machines than between humans and machines,” notes x402.eco. MoonPay Agents positions itself at the center of this shift.

Built for Scale

The architecture handles millions of concurrent agents. This matters because the agent economy will not run on dozens of bots. It will run on fleets of specialized agents handling specific tasks.

Trading agents can execute onchain strategies across DeFi protocols. Gaming agents can purchase in-game assets automatically. Commerce agents can manage supply chain payments. Treasury agents can handle corporate crypto operations.

Unlike trading bots on centralized exchanges, these agents interact with decentralized protocols directly. They do not need platform permission to operate.

What This Means

MoonPay CEO Ivan Soto-Wright framed the opportunity clearly. “AI agents can reason, but they cannot act economically without capital infrastructure,” he said. “MoonPay is the bridge between AI and money.”

The company brings serious scale to this launch. MoonPay serves 30 million customers across 180 countries. Over 500 enterprise partners use its infrastructure. The company reached a $3.4 billion valuation in 2024.

Crypto offers the fastest path for programmatic value transfer. Non-custodial design means users never lose control. Permissionless access means any developer can build.

The AI agent economy needs payment infrastructure. MoonPay just built it.

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