AI | MoonPay Unveils the Open Wallet Standard Enabling AI Agents Pay for Services Without Exposing Private Keys

MoonPay has open-sourced a new ‘wallet layer’ designed to power the emerging agent economy aiming to standardize how AI agents hold and move value across blockchains.

The company unveiled the Open Wallet Standard, an open-source framework that enables AI agents to

• securely manage funds,
• sign transactions, and
• pay for services

without exposing private keys.

The standard is available across developer platforms including

• GitHub,
• npm, and
• PyPI,

and launches with contributions from more than 20 major industry players.

MoonPay said over a dozen companies contributed to the new specification including several blockchain foundations and infrastructure providers including:

• PayPal
• Ripple
• TRON
• Ethereum Foundation
• Base
• Circle
• Solana Foundation

among others.

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The standard is not competing with existing protocols. It makes them more valuable. Any protocol that requires a signed transaction now has a common wallet to call. Any tool or agent that supports the standard can access the same wallet with the same funds, just as multiple apps on your phone can access the same bank account.

The move builds on MoonPay’s earlier release of MoonPay Agents, a non-custodial infrastructure layer that allows AI systems to create wallets, access funds, and execute transactions autonomously.

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According to the company, the lack of a unified wallet standard has been a major bottleneck for the agent economy. Currently, different AI frameworks rely on fragmented wallet systems often storing private keys in insecure or incompatible formats limiting interoperability and portability.

By open-sourcing its internal wallet infrastructure, MoonPay aims to create a universal interface that works across blockchains and agent frameworks. The standard supports multi-chain functionality and introduces a shared security model allowing agents to interact with wallets in a consistent and secure way.

The Open Wallet Standard is the latest step in a deliberate shift at MoonPay toward AI-native infrastructure. Over the past year, the company has moved from on-ramp APIs to MoonPay CLI to MoonPay Agents with Ledger-secured hardware signing. Each step has given AI agents more direct, programmable access to the financial layer. The Open Wallet Standard makes that infrastructure available to every agent, every framework, and every chain.

“Nobody building a serious agent is going to limit it to one chain. The Open Wallet Standard treats every network as a first-class citizen, and that’s why TON is contributing to it.” – Max Crown, President and CEO of TON Foundation.

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The release comes as the broader stack for agent-driven payments rapidly evolves.

Protocols for machine-to-machine transactions and agent identity have already emerged but most assume the existence of a compatible wallet layer. MoonPay’s Open Wallet Standard is positioned to fill that gap and enable seamless coordination between these systems.

CEO, Ivan Soto-Wright, said the launch completes a key piece of infrastructure for AI-driven commerce arguing that while payment rails for agents already exist, a standardized wallet layer had been missing.

The initiative signals MoonPay’s broader shift toward building AI-native financial infrastructure positioning itself at the intersection of programmable money and autonomous agents.

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