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MoonPay launches non-custodial wallets for AI agents

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MoonPay launches non-custodial wallets for AI agents

Crypto payments platform MoonPay has introduced a new product designed to give artificial intelligence systems direct access to digital wallets and on-chain transactions.

Summary

  • MoonPay launched MoonPay Agents on to support non-custodial AI wallets.
  • The platform enables automated trading, funding, and machine-to-machine payments.
  • The product targets developers building large-scale autonomous financial systems.

MoonPay Agents, a non-custodial software layer that enables AI agents to create wallets, manage funds, and trade on behalf of verified users, was officially launched by the company on Feb. 24.

The system is built on MoonPay’s command-line interface and is aimed at developers building automated programs that need to move money without relying on centralized custody. Once a user completes identity checks and funds a wallet, an AI agent can trade, swap, and transfer assets independently.

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Connecting AI systems to digital money

MoonPay said the product supports the full financial cycle, including fiat-to-crypto funding, portfolio tracking, and conversion back to traditional currencies. Users can also receive funds through virtual accounts or payment services such as Apple Pay, PayPal, and Venmo.

“AI agents can reason, but they cannot act economically without capital infrastructure,” said Ivan Soto-Wright, the company’s chief executive officer. He said the goal is to make crypto the default financial layer for autonomous systems.

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According to MoonPay, users can set up a working wallet and agent connection in minutes, allowing automated systems to begin executing strategies almost immediately.

MoonPay Agents includes tools such as recurring purchases, real-time cross-chain swaps, machine-to-machine payments, and automated fiat funding via on-ramps. These features are designed to ensure that agents always have access to liquidity when operating.

Additionally, the platform supports portfolio monitoring, token discovery, and basic risk analysis, enabling developers to incorporate financial management straight into their apps. Wallets are stored on users’ own devices, giving them direct control over private keys.

The product is built to scale from single-user setups to networks of thousands of agents. It runs on the same infrastructure that supports nearly 500 enterprise customers and more than 30 million users across 180 countries.

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Part of a the growing “agent economy” trend

The launch comes amid growing interest in so-called “agentic” systems that can plan and act without continuous human oversight. Industry forecasts suggest the autonomous agent economy could reach $30 trillion by 2030, with AI systems managing a large share of routine financial decisions.

In crypto markets, this shift is already underway. AI-powered wallets are being used for trading, DeFi activity, and machine-to-machine payments. At ETHDenver 2026, developers showcased blockchain-based identity tools, automated treasuries, and agent-led trading systems, highlighting the rapid growth of this trend.

According to company executives, MoonPay Agents will serve as a default financial rail for developers building trading bots, gaming platforms, and automated payment systems. With AI systems increasingly taking on financial tasks, MoonPay is positioning its infrastructure as a foundation for this emerging market.

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Crypto World

Payoneer Adds to Crypto, Fintech Firms Seeking Bank Charter

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Payoneer Adds to Crypto, Fintech Firms Seeking Bank Charter

Global financial services firm Payoneer is the latest in a growing number of companies that have filed for a national trust banking charter in the US, which could enable it to issue a stablecoin and provide various crypto services.

Payoneer said on Tuesday it filed with the Office of the Comptroller of the Currency to form PAYO Digital Bank, a week after it partnered with stablecoin infrastructure firm Bridge to add stablecoin capabilities to its platform that is mainly focused on cross-border transactions.

Payoneer said that it is seeking to issue a GENIUS Act-compliant stablecoin, PAYO-USD, to serve as the holding currency in Payoneer wallets, in addition to allowing customers to pay and receive stablecoins.

OCC approval would also enable Payoneer to manage PAYO-USD reserves, offer custodial services and enable customers to convert between the stablecoins into their local currency.

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“We believe stablecoins will play a meaningful role in the future of global trade,” said Payoneer CEO John Caplan.

Source: Payoneer

The OCC gave conditional approval to Crypto.com for a charter on Monday, adding to the banking charters won by crypto companies Circle, Ripple, Fidelity Digital Assets, BitGo and Paxos in December.

Related: Better, Framework Ventures reach $500M stablecoin mortgage financing deal

The Trump family’s World Liberty Financial also applied for one in January to expand the use of its USD1 (USD1) stablecoin, but is still awaiting a decision. 

Crypto trading platform Laser Platform also submitted an application in January, while Coinbase has been awaiting a decision on its application since October.

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Stablecoins ideal for business cross-border transfers: Payoneer

Payoneer said OCC approval would allow it to offer its nearly two million customers, which are mostly small and medium-sized businesses, a regulated stablecoin solution to simplify cross-border trade.