Crypto payments platform MoonPay has unveiled MoonPay Agents, a groundbreaking product aimed at integrating artificial intelligence systems with digital wallets and on-chain transactions. Officially launched on February 24, this non-custodial software layer is designed to empower AI agents to create wallets, manage funds, and execute trades autonomously on behalf of verified users.
MoonPay Agents operates through a command-line interface, targeting developers focused on building large-scale autonomous financial systems that require funds to move without centralized custody. Once users complete identity verification and fund their wallets, the AI agents can independently execute trades, swap, and transfer assets.
The new product encompasses a comprehensive financial cycle, facilitating fiat-to-crypto funding, portfolio tracking, and even conversion back to traditional currencies. Furthermore, users can receive funds via various payment services, including Apple Pay, PayPal, and Venmo. Ivan Soto-Wright, MoonPay’s CEO, emphasized that while AI agents can reason, they are unable to engage in economic actions without an established capital infrastructure. Hence, the goal is to position cryptocurrency as the primary financial layer for these autonomous systems.
MoonPay claims the setup for users to establish a wallet and connect their agents can be completed in just a few minutes, allowing automated systems to implement strategies almost instantly. The platform offers a range of features, including recurring purchases, real-time cross-chain swaps, machine-to-machine payments, and automated fiat funding, ensuring liquidity for ongoing operations.
Additionally, MoonPay Agents supports portfolio monitoring, token discovery, and basic risk analysis, enabling developers to seamlessly incorporate financial management into their applications. Importantly, wallets are stored directly on users’ devices, ensuring they retain control over their private keys.
The launch of MoonPay Agents aligns with the growing trend towards the so-called “agent economy,” where autonomous systems function with minimal human oversight. Industry projections anticipate this economy could balloon to $30 trillion by 2030, with AI systems playing a significant role in managing everyday financial decisions.
In the realm of cryptocurrencies, the shift is already taking place, with AI-powered wallets being utilized for trading, decentralized finance (DeFi) activities, and machine-to-machine payment solutions. At ETHDenver 2026, developers showcased a plethora of blockchain-based innovations, including identity tools and automated treasury mechanisms, underscoring the rapid expansion of this trend.
MoonPay executives assert that MoonPay Agents will serve as a foundational financial infrastructure for developers working on trading bots, gaming platforms, and automated payment systems. As AI systems increasingly take on financial responsibilities, MoonPay aims to solidify its position as a key player in this emerging market.
