TLDR
- MoonPay released an open-source wallet standard for AI agents on Monday.
- The framework lets agents hold funds and transact across multiple blockchains.
- Private keys stay in an encrypted local vault and sign outside the agent runtime.
- Users can set spending limits and other policy rules before transactions are approved.
- PayPal, OKX, Circle, and other firms contributed to the wallet specification.
MoonPay has released an open-source wallet standard for AI agents. It gives autonomous software a shared way to hold funds and transact across blockchains. The move targets a gap in current crypto AI infrastructure.
The company announced the framework on Monday. MoonPay said many machine payment tools handle rails, but not wallet and key management. The new model lets agents use one pool of funds.
Shared wallet framework for AI agents
The standard aims to replace fragmented wallet setups across tools and chains. Under older models, each system manages separate keys and balances. That can leave agents working across disconnected accounts.
MoonPay said the framework is open source and modular. It includes components for storage, signing, policy controls, and chain support. Developers can access the code through GitHub, npm, and PyPI.
The release also points to broader work on standard building blocks for AI systems. MIT Sloan researchers wrote that “AI agents can employ standard building blocks.” They said those blocks can support payments, communication, and internet access.
Private key handling and user controls
MoonPay said private keys stay in an encrypted local vault. Transactions are signed in a separate process outside the agent runtime. That design keeps keys away from the active AI process.
The framework also adds policy controls before funds move. Users can set spending limits and other rules before approval. That gives human operators more control over automated payments.
MoonPay said recent efforts often focus on moving money. It said those efforts do not solve wallet and key management. The company framed its release as infrastructure for agent transactions with policy rules.
More crypto firms add AI transaction tools
Other crypto companies are also building tools for AI-driven activity. BitGo said it launched an MCP server for its developer platform on Monday. The server lets AI tools access wallet, transaction, and staking functions with natural language.
BitGo said the integration connects its platform with AI-native development environments. Tools such as ChatGPT and code editors can pull documentation and API references into workflows. That reduces the need for traditional user interfaces.
Other efforts target machine payments across apps and APIs. Coinbase has promoted x402 for stablecoin transfers over HTTP. Visa and Stripe-backed Tempo also launched tools for programmatic payments last week.
Get 3 Free Stock Ebooks
Discover top-performing stocks in AI, Crypto, and Technology with expert analysis.
- Top 10 AI Stocks - Leading AI companies
- Top 10 Crypto Stocks - Blockchain leaders
- Top 10 Tech Stocks - Tech giants
