MoonPay launches MoonAgents Card to let AI agents spend stablecoins via Mastercard network

New updates have been reported about MoonPay.

MoonPay is expanding its AI-native payments stack with the launch of MoonAgents Card, a virtual Mastercard debit product that enables both users and AI agents to spend stablecoins directly from self-custodied onchain wallets at any online merchant that accepts Mastercard. Built in partnership with card issuer Monavate and integrated with MoonPay’s AI agent infrastructure and developer tools, the product converts stablecoins to fiat at the time of purchase without requiring pre-loaded custodial balances or offchain transfers, positioning MoonPay at the center of emerging autonomous commerce flows.

The card is managed programmatically through MoonPay CLI and MoonPay Agents workflows, allowing developers and enterprises to delegate controlled spending authority to AI agents that already manage wallets and execute onchain trades, thereby extending those agents’ capabilities into real-world payments. Transactions are executed by linking a self-custodial wallet to a virtual card, where a smart contract momentarily accesses the user’s stablecoin balance for real-time authorization and funding via Monavate’s infrastructure, with funds automatically returned if the transaction is declined and wallet custody remaining fully under user control.

This launch builds on MoonPay’s AI-focused infrastructure, including MoonPay CLI—which has processed more than four million tool calls with accelerating adoption—and MoonPay Agents, which supports autonomous workflows secured via hardware signing. It also complements the Open Wallet Standard initiative, introduced in March with backing from major blockchain and payments organizations, which aims to provide a common framework for agents to hold and move value across chains and now gains a direct spending channel through MoonAgents Card.

Strategically, MoonAgents Card positions MoonPay to capture transaction volume from machine-driven commerce as AI agents begin transacting at scale across millions of merchants, a trend highlighted by CEO and Founder Ivan Soto-Wright as the next phase of crypto payments utility. The product is initially available via MoonPay CLI in the U.K. and Latin America, with launches in the U.S. and European Union planned in the coming months, and requires standard identity verification for issuance, signaling MoonPay’s intent to align with regulatory expectations while expanding globally.

For executives and institutional users, the card offers an infrastructure play: a programmable, compliant way to connect onchain stablecoin liquidity with the existing card networks without surrendering custody, potentially reducing friction for Web3 businesses, AI-native applications, and enterprises experimenting with autonomous agents. With over 30 million customers across 180 countries and more than 500 enterprise clients already using its ramps and crypto payments services, MoonPay is effectively extending its role from on/off-ramp provider to an orchestration layer for both human and machine payments, creating new monetization opportunities in interchange, processing, and value-added developer services as AI-driven transaction volumes grow.