MoonPay, the global crypto payments and stablecoin infrastructure firm, has launched MoonPay Agents. The new non-custodial software layer gives AI agents direct access to wallets and funds, unlocking their ability to transact autonomously.
According to the firm, the role of artificial intelligence is rapidly shifting. AI agents are no longer simply answering questions; they are now taking action, executing strategies, and allocating capital. However, their ability to participate in the digital economy has been heavily constrained by a lack of direct access to financial value.
MoonPay Agents aims to solve this fundamental bottleneck by providing the financial infrastructure needed for the emerging agent economy, powering the full life cycle from funding and execution to off-ramping back to fiat currency.
Bridging the gap between AI and capital
The new infrastructure is built on MoonPay CLI, the firm’s developer-focused command-line interface. The software enables AI systems to generate and manage non-custodial wallets, which are stored directly on the user’s own device.
To initiate the process, a user must first complete KYC verification and fund their agent’s wallet through MoonPay’s global on-ramps. Once this initial human input is complete, the AI agent can independently trade, swap tokens, and move digital assets on behalf of the user programmatically.
Ivan Soto-Wright, CEO and founder of MoonPay, highlighted the necessity of this infrastructure: “AI agents can reason, but they cannot act economically without capital infrastructure. MoonPay is the bridge between AI and money. The fastest way to move money is crypto, and we’ve built the infrastructure to let agents do exactly that: non-custodial, permissionless, and ready to use in minutes.”
Enabling the full financial life cycle
With a single installation of MoonPay CLI, users and developers can spin up a non-custodial wallet and let an AI agent optimise their crypto workflow. The product supports a wide array of financial capabilities:
- Virtual accounts: Agents can receive bank payments directly into US, EU, or GBP accounts, or accept funds via Apple Pay, Venmo, or PayPal.
- Ramps: Users can move between fiat and crypto directly from the terminal.
- Recurring buys: Automated, scheduled purchases ensure agents always have the necessary funds to operate.
- x402 compatibility: The system enables seamless machine-to-machine payments across compatible endpoints, requiring zero human input.
- Swaps and trading: Agents can execute real-time cross-chain swaps, trading strategies, and market automation.
MoonPay designed the new layer to scale across thousands, and eventually millions, of autonomous agents. The infrastructure can be embedded directly into various AI workflows—including trading agents, gaming agents, commerce agents, and treasury agents.
Any developer building an AI agent that requires the movement of value can integrate MoonPay as the default financial rail via its API and infrastructure layers. Running on the same stack that already powers nearly 500 enterprise companies, MoonPay ensures the underlying rails can support the speed and scale required as AI systems begin to execute financial actions en masse.
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