FAQ highlights non-custodial wallet access for AI agents under user-defined policies, security via simulated transactions and cryptographic signing, and multi-chain potential with Ethereum, Solana, and Polygon.

Architecture enables AI agents to operate in DeFi and beyond, enabling autonomous market monitoring, portfolio rebalancing, and micropayments across industries like DeFi, gaming, supply chain, and IoT.

MoonPay’s CEO describes the service as fast to deploy and usable in minutes, underscoring immediate practicality.

MoonPay launches MoonPay Agents, a non-custodial infrastructure layer that lets authenticated AI software agents access users’ cryptocurrency wallets, manage funds, and execute transactions autonomously within user-set permissions.

MoonPay positions itself as the bridge between AI capabilities and money, citing the need for capital infrastructure and tying its onramp and wallet tech to enable AI-driven agents to act economically.

The goal is to provide compliant financial rails that connect traditional payment systems with blockchains as AI agents begin trading, allocating capital, and executing autonomous strategies.

Trust and compliance are central, with transparent blockchain audit trails, user controls to revoke permissions, and risk mitigation through transaction simulation to prevent malicious or failed trades.

The piece notes broader fintech competition, including Coinbase’s expansion into stock and ETF trading as part of an “everything exchange” trend.

Key technical components include agent wallet authentication, transaction signing delegation, and a policy engine, layered with multi-factor security, transaction simulations, and pre-execution checks.

Regulatory questions loom around liability and oversight for autonomous, non-human financial transactions as this technology matures.

Immediate use cases span autonomous subscriptions, DAO treasury management, AI-driven asset purchases, and IoT devices paying for bandwidth or compute resources.

The product supports recurring buys, cross-chain swaps, and compatibility with the x402 machine-to-machine payments standard, enabling verified AI agents to operate within predefined KYC permissions.