It also connects to fiat rails, including virtual accounts and payment options like Apple Pay, Venmo, and PayPal (availability depends on the service).
MoonPay, the payments platform that allows for easy conversions between fiat and crypto, has introduced MoonPay Agents, a new product meant for AI agents. Launched on February 24, 2026, Agents is an automated tool that can plan actions and carry them out without human intervention.
MoonPay is a non-custodial software that gives an AI agent access to crypto wallets, funds, and onchain actions through MoonPay's command-line interface (CLI).
The main feature, of course, is multi-chain support. In its announcement, MoonPay noted that each of its agents works across major networks like Solana and Ethereum.
What are MoonPay Agents?
MoonPay Agents aren't just chatbots that buy crypto. They're toolkits that let an AI agent execute on various pre-built crypto actions. The company's Help Center notes that agents have 54 crypto-specific tools across 17 "skills." These tools include wallet actions, trading actions, analyzing token information, and more.
Essentially, these agents are a full process setup. They can help with funding from fiat-to-crypto, wallet management, token discovery, risk analysis, trading, portfolio tracking, and off-ramping back to fiat.
Multi-Chain Support: Which Chains are Included
MoonPay has listed ten supported chains:
* Solana
* Ethereum
* Base
* Polygon
* Arbitrum
* Optimism
* BNB Chain
* Avalanche
* TRON
* Bitcoin
What Your AI Agent Can Do
A full list of features your agent can do:
* Swaps, bridges, and transfers.
* Dollar-cost averaging (DCA), alongside limit orders and stop losses.
* Market research, such as trending tokens, token analysis, price data, and price alerts.
* Deposit links with automatic stablecoin conversion.
* Fiat integration for buying with fiat and off-ramping back to fiat.
* x402 compatibility for machine-to-machine payments.
x402 compatibility is what enables MoonPay Agents to, say, make a transaction from wallet to exchange without human intervention.
What Non-Custodial Means in This Context
MoonPay calls the system non-custodial, meaning MoonPay does not hold your private keys.
Instead, wallet keys are stored locally on your device and use OS keychain encryption, meaning they're stored in an encrypted space within your hardware, be it an iPhone, Android phone, or computer.
This matters because an AI agent can only act within the permissions and access it has. With a non-custodial setup, you retain control over your wallet keys while still benefiting from third-party services.
How You Can Access the AI Agent
You can actually access the bot through multiple methods, such as MoonPay's CLI, a local model context protocol server, and even through web chat. It integrates with existing artificial intelligence assistants, such as Claude, as well. MoonPay's support page details the best ways to start utilizing their AI Agent.
How Crypto Agents Automate Dollar-Cost Averaging, Cross-Chain Transfers, and Auto-Funding
AI-powered crypto agents can streamline routine portfolio management by executing recurring buys, coordinating multi-step cross-chain transactions, and maintaining operational balances without manual oversight.
By automating these workflows, users can reduce friction, minimize missed opportunities, and maintain consistent strategy execution while retaining full control over wallet permissions and funding rules.
Dollar-Cost Averaging
A common beginner investment habit is to set a daily or weekly buy and forget about it.
For instance, a MoonPay Agent could follow a plan like:
* Buy $25 of Bitcoin every Friday.
* Send it to the same wallet address every time.
* Alert you when the purchase completes.
Simplify Cross-Chain Movement
Many crypto users end up doing a bit of an app dance when they need to move funds across networks, jumping between user interfaces to complete the bridge.
Instead, you could command the agent to:
* Buy USDC on Base.
* Bridge to another chain for a specific use.
* Swap into the token you need.
Keeping an Agent Funded for Ongoing Tasks
Some agents are meant to run all of the time, like a trading monitor or a treasury management tool. Those agents need funds available whenever possible.
You can command your bot to regularly fund an account when it hits a certain threshold. Like if you want to keep a DCA purchase going consistently, the bot can fund its own account from your fiat bank when needed.
Why MoonPay is Pushing This Now
MoonPay's CEO Ivan Soto-Wright summed up AI agents in one line: "AI agents can reason, but they cannot act economically without capital infrastructure." Soto-Wright predicts that software will continually grow as a market participant, getting involved in trading and other on-chain actions.
The company also has a large user base for extensive testing. After all, MoonPay powers nearly 500 companies and serves more than 30 million customers across 180 countries, which is part of its scale argument.
Crypto Automation Safety Tips: How to Use Agents Without Costly Mistakes
Automating your processes can save time, but it also opens up the potential for mistakes.
Some practical safety habits:
* Start small. Use a test wallet or low balances first.
* Keep your device secure, as it stores keys locally.
* Treat agent permissions like your spending power, as that's what they are.
* Factor in fees, as swaps and bridges can add costs.
MoonPay's docs stress the non-custodial model and local key storage, which helps, but it does not remove the need for you to be careful while setting it up.
