MoonPay Open-Sources Core Wallet Standard for AI Agent Payments

New updates have been reported about MoonPay.

MoonPay has open-sourced its new Open Wallet Standard (OWS), positioning the company at the center of the emerging AI agent payments stack by providing a universal, non-custodial wallet layer for machine-driven transactions across major blockchains. The MIT-licensed standard, derived from the infrastructure behind MoonPay Agents and its CLI tooling, enables AI agents to hold value, sign transactions, and pay for services without ever exposing private keys, and has already attracted contributions from more than 15 ecosystem players including large payment, crypto, and protocol organizations.

The launch marks a strategic evolution in MoonPay’s business from fiat–crypto on-ramps towards AI-native financial infrastructure, extending its reach beyond consumer and enterprise payments into the foundational layer of the agent economy. OWS unifies fragmented wallet logic by offering a single encrypted local vault, multi-chain support across eight chain families, and a policy engine that enforces spending limits and authorization rules, allowing multiple agents and frameworks to share the same wallet securely.

By standardizing how wallets are represented and accessed, MoonPay aims to complement rather than compete with emerging protocols such as x402, AP2, and MPP, which all assume wallet existence but do not define wallet management, thereby increasing the utility of those rails while embedding MoonPay’s technology into their workflows. The design is local-first, avoiding remote key management and reducing custody risk, with keys encrypted using AES-256-GCM, isolated in protected memory for signing, and wiped immediately after use, which is critical given the leakage risks inherent in LLM-based agent environments.

For developers and enterprises, MoonPay provides SDKs for Node.js and Python, a CLI, and an MCP server interface so that agents built on frameworks like Claude, ChatGPT, and LangChain can tap into OWS without custom wallet integrations, lowering time-to-market for AI-native financial products. The accompanying open skills marketplace allows third parties to publish signing plugins, compliance modules, and chain adapters, which could spur an ecosystem around MoonPay’s standard while diversifying integration-driven revenue opportunities.

MoonPay’s leadership characterizes OWS as the missing wallet layer that makes machine payments truly usable at scale, following a sequence of launches from on-ramp APIs to MoonPay CLI, MoonPay Agents, and now a generalized open standard. If widely adopted, OWS could entrench MoonPay as a core infrastructure provider in AI-driven commerce, with potential upside in enterprise adoption, partner integrations, and transaction volumes as more agents coordinate payments across chains using a shared, standardized wallet model.