MoonPay has introduced a new AI focused product designed to enable autonomous digital asset transactions, marking another step toward what industry participants describe as an emerging agent economy.
The company announced the launch of MoonPay Agents, a non custodial infrastructure layer built on its developer tool, MoonPay CLI. The new system allows artificial intelligence agents to create wallets, manage funds, and execute onchain transactions programmatically once a user completes identity verification and initial funding.
According to MoonPay, the infrastructure bridges a critical gap between AI reasoning and financial execution. While AI systems can analyze data and make decisions, they traditionally lack direct access to capital and transaction rails. MoonPay Agents aims to provide that missing layer by enabling AI software to hold and move crypto assets within defined permissions.
The product operates on a non custodial model, meaning wallets are generated and stored locally on a user’s device rather than held by the company. After completing know your customer verification, users can fund wallets through bank transfers or existing crypto holdings. AI agents can then perform tasks such as trading tokens, executing cross chain swaps, initiating recurring purchases, or transferring assets across supported blockchain networks.
MoonPay’s infrastructure already supports more than 500 enterprise clients and serves over 30 million users globally through its fiat to crypto onramps and stablecoin payment services. The addition of AI agents extends those payment rails to machine driven applications, enabling automated economic activity without requiring constant human input.
The new system also integrates with x402, a machine to machine payments standard gaining traction among developers building autonomous financial tools. This compatibility allows AI driven services to transact directly with one another under programmable conditions.
The launch reflects a broader industry trend toward combining artificial intelligence with blockchain based finance. As AI agents become more capable of executing complex tasks, the ability to manage digital assets autonomously opens new possibilities for decentralized trading strategies, automated treasury management, and real time microtransactions.
However, the rise of AI powered wallets and automated onchain activity may also prompt renewed regulatory scrutiny, particularly around compliance controls and user authorization safeguards. MoonPay states that identity verification occurs at the human level before agents are permitted to operate within pre approved limits.
As the digital asset sector continues exploring AI integration, MoonPay’s latest product positions the company at the intersection of crypto payments infrastructure and automated financial systems.
