MoonPay, a crypto payments firm, today unveiled a software layer enabling artificial intelligence systems to autonomously manage digital wallets and execute blockchain transactions.

The product, called MoonPay Agents, operates on a non-custodial basis, meaning users retain control of their private keys while granting AI systems permission to transact within predefined limits. The infrastructure is built atop the company’s command-line interface for developers.

“AI agents can reason, but they cannot act economically without capital infrastructure,” said Ivan Soto-Wright, MoonPay’s chief executive. “MoonPay is the bridge between AI and money.”

Once a user completes identity verification and deposits funds, an AI agent can independently perform trades, token swaps, and transfers on their behalf. The system supports conversion between traditional currencies and crypto assets, with virtual accounts available for dollar, euro, and pound transactions.

The platform employs multi-party computation to secure private keys and includes safeguards such as transaction simulations and spending limits.

Founded in 2019, MoonPay has positioned the offering as infrastructure for what it describes as an emerging agent economy. Target applications span automated trading, gaming, e-commerce, and corporate treasury operations, with the system designed to accommodate thousands of concurrent AI agents.

Unlike conventional trading bots that depend on centralized exchanges, the new architecture allows AI to interact with decentralized protocols, reducing reliance on intermediaries.