MoonPay Agents is a non-custodial software layer that gives AI agents access to wallets, funds, and the ability to transact autonomously. For neobank builders deploying AI-powered financial products, MoonPay Agents provides the complete capital infrastructure stack — from fiat funding through onchain execution to off-ramping back to fiat — through a single CLI install.

AI agents are taking action: they trade, allocate capital, execute strategies, and operate autonomously. But they cannot participate in the economy without access to value. MoonPay Agents solves this by providing 17 key skills with 54 tools that cover the full financial lifecycle. A user completes one-time KYC and funds a wallet through MoonPay. From there, the agent can trade, swap, bridge, transfer, and off-ramp independently.

Wallets are non-custodial and stored on the user’s device using OS keychain encryption. Keys never leave the machine. Multi-chain support covers Solana, Ethereum, Base, Polygon, Arbitrum, Optimism, BNB, Avalanche, TRON, and Bitcoin. The product also ships with native Ledger hardware signing — the first agent-focused wallet to support hardware-backed transaction approval.

MoonPay Agents runs on the same infrastructure that powers 500+ enterprise partners and 30M+ customers across 180 countries. It integrates via MoonPay CLI as an MCP server, meaning any AI assistant or framework that supports MCP can access the full financial stack. Native x402 compatibility enables machine-to-machine payments with zero human input.

Trusted By Built on MoonPay infrastructure powering MetaMask · OpenSea · Bitcoin.com · Phantom · Coinbase Wallet

Key Infrastructure.

Non-Custodial Wallets AI agents generate and manage wallets stored on the user’s device with OS keychain encryption. Private keys never leave the machine. Supports Solana, Ethereum, Base, Polygon, Arbitrum, Optimism, BNB, Avalanche, TRON, and Bitcoin.

Fiat Funding Rails Agents fund wallets via virtual accounts (USD, EUR, GBP), Apple Pay, Venmo, PayPal, or direct crypto deposit. Zero-fee stablecoin on-ramping. Recurring buys ensure agents always have capital.

Onchain Execution Real-time cross-chain swaps, bridges, transfers, DCA, limit orders, and stop losses. Agents execute trading strategies across multiple blockchains through a single interface.

Ledger Hardware Signing Native Ledger signer support via the Device Management Kit. Every AI-initiated transaction is verified and signed on a hardware device.

MCP Server Interface MoonPay CLI runs as an MCP server. Any MCP-compatible AI assistant or framework integrates the full financial stack through its native tool system.

x402 Compatibility Native support for machine-to-machine payments across compatible endpoints. No human input required at the transaction level.

Additional Features.

17 Skills, 54 Tools

Covers wallet management, trading, market intelligence, deposits, fiat integration, and more.

Fiat Off-Ramping

Agents convert crypto back to fiat directly from the terminal, closing the full financial lifecycle loop.

Market Intelligence

Access trending tokens, token analysis, price data, and price alerts programmatically.

Portfolio Tracking

Monitor holdings, transaction history, and performance across all connected wallets and chains.

Multi-Chain Deposit Links

Create deposit links with automatic stablecoin conversion across supported chains.

Open and Extensible

Fork existing skills, build new ones, and contribute to the MoonPay skills library on GitHub.

Seamlessly Works With.

PAYMENTS & STABLECOINS

MOONPAY

The crypto payments and stablecoin infrastructure layer powering ramps, commerce, and issuance for neobank.

RAMP AGGREGATOR

ONRAMPER

Aggregated fiat-to-crypto widget routing 30+ providers across 190 countries through a single integration.

STABLECOIN BANKING

IRON

Banking and payment APIs for stablecoin builders: virtual accounts, ramps, global payouts, and issuance.

AI WALLET INFRA

OPEN WALLET STANDARD

The open-source specification unifying how AI agents create, sign, and manage wallets across every chain.

UNIVERSAL FUNDING LAYER

MOONPAY DEPOSITS

The universal funding layer accepting fiat, crypto from any chain, and CEX transfers through one widget.

GENERAL Questions.

Why do neobanks need AI agent infrastructure?

Neobanks are increasingly deploying autonomous agents for treasury management, automated trading, portfolio rebalancing, and customer-facing financial automation. These agents need capital infrastructure: non-custodial wallets, fiat on-ramps, onchain execution, and off-ramps. MoonPay Agents provides all of it through a single CLI install.

How does MoonPay Agents handle security?

Wallets are non-custodial and stored on the user’s device using OS keychain encryption. Keys never leave the machine and never pass through the LLM context. Native Ledger hardware signing requires human approval on a hardware device for every transaction.

What can an agent actually do?

The full financial lifecycle: fund wallets with fiat or crypto, discover and analyse tokens, execute swaps and bridges across chains, run automated trading strategies (DCA, limit orders, stop losses), track portfolio performance, and off-ramp back to fiat.

How does this relate to the Open Wallet Standard?

MoonPay Agents was the product that led to the creation of the Open Wallet Standard. The wallet infrastructure behind MoonPay Agents was generalised across chains and runtimes and released as OWS under an MIT licence.

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MoonPay Agents
The financial infrastructure layer for autonomous AI agents