Points of Focus

• MoonPay launched MoonPay Agents, a non-custodial layer enabling AI systems to create wallets and transact across 10 blockchains.
• Coinbase and Uniswap had already expanded AI agent tools, with x402 topping 50M+ transactions.
• With the AI agents project to drive up to $30T by 2030, multi-chain access and single-KYC models raise unresolved compliance questions.

On February 24, 2026, MoonPay launched MoonPay Agents, a non-custodial software layer that lets AI systems generate wallets, fund themselves, execute trades, swap tokens, and convert holdings back to fiat across 10 blockchains without requiring ongoing human input. Built on MoonPay CLI, the same infrastructure serving more than 500 enterprise clients and 30 million users across 180 countries, the product positions MoonPay as the default financial rail for autonomous economic actors.

Your AI agents need crypto. Now they have it.

Introducing MoonPay Agents, the non-custodial infrastructure for autonomous transactions.

➡️ Onramp
🔀 Swap across chains
🔁 Trade onchain
⬅️ Offramp

Multi-chain. Native x402 support. One CLI prompt.

🤖 https://t.co/7Shff929Og pic.twitter.com/zlTYlns1tW

— MoonPay 🟣 (@moonpay) February 24, 2026

MoonPay CEO and Founder Ivan Soto-Wright framed the core problem directly: AI agents can reason but cannot participate in economic activity without dedicated capital infrastructure. His argument casts crypto as the fastest settlement layer for autonomous systems, and MoonPay as the bridge connecting AI agents to that layer.

The supported chains span Solana, Ethereum, Base, Polygon, Arbitrum, Optimism, BNB Chain, Avalanche, Tron, and Bitcoin. From a single CLI install, agents can receive funds through US, EU, or GBP virtual accounts or via Apple Pay, Venmo, and PayPal. They can then execute on-chain swaps, schedule recurring purchases, or run trading strategies including limit orders and stop-losses, all without human intervention at each step. Where a service requires identity verification, a one-time human KYC activation unlocks the agent to operate autonomously within user-granted permissions.

🤖 every MoonPay Agent is Multi-Chain@solana, @ethereum, @Base, @0xPolygon, @arbitrum, @Optimism, @BNBCHAIN, @avax, @trondao, @Bitcoin

🤖 every MoonPay Agent is ready for Trading

Swap, bridge, transfer, DCA, limit orders, stop losses

🤖 every MoonPay Agent is Non-custodial… pic.twitter.com/6P6ICSlLAR

— MoonPay 🟣 (@moonpay) February 25, 2026

A race that was already running

MoonPay is entering an already active arena. On February 11, 2026, Coinbase unveiled crypto wallet infrastructure built specifically for AI agents, with programmable per-session spending caps and individual transaction size controls. The x402 payment protocol underpinning that infrastructure, designed for machine-to-machine transactions without human authorization, had already logged over 50 million processed transactions by the time of Coinbase’s launch. The same x402 tech also powers MoonPay Agents across Solana and Base endpoints, enabling similar machine-to-machine payments.

Introducing Agentic Wallets, our first ever wallet infrastructure built specifically for autonomous agents.

Give your agent the power of a wallet. Let your agent manage funds, hold identity, and transact onchain without human intervention. 🧵 pic.twitter.com/Ns0SmSIys4

— Coinbase Developer Platform🛡️ (@CoinbaseDev) February 11, 2026

On February 20, 2026, Uniswap Labs released seven open-source AI Agent Skills covering swap execution, liquidity planning, Uniswap v4 hook deployment, and security guardrails, standardizing how agents interact with on-chain liquidity on Ethereum.

Agents execute on Uniswap

We've released seven new Skills giving structured access to core Uniswap protocol actions

Your starting point for agentic workflows onchain pic.twitter.com/tARu24eOuE

— Uniswap Labs 🦄 (@Uniswap) February 20, 2026

The timeline reflects real urgency. Gartner projects that autonomous AI agents could generate up to $30 trillion in global economic activity by 2030. That figure explains why on-ramp providers, DEX protocols, and developer platforms are converging on agent finance simultaneously, each angling to sit closest to the transaction layer.

Chain selection, KYC, and the guardrails question

The chain selection embedded in MoonPay Agents carries its own signal. Bitcoin’s inclusion alongside Solana and Ethereum’s L2 ecosystem reflects a deliberate push toward multi-chain coverage rather than alignment with a single settlement layer. For developers building agents that need to move value across contexts – DeFi, gaming, treasury management, commerce – chain neutrality reduces lock-in risk and expands deployment optionality.

The convergence of AI and crypto is inevitable and it will be messy

AI agents need a permissionless economic layer to engage in e-commerce and will likely become the largest consumer of blockspace

But at the same time, the cybersecurity risks of smart contract exploits will be… https://t.co/PN0pVOh6Vb

— Zach Rynes | CLG (@ChainLinkGod) February 18, 2026

The harder problem is compliance architecture. MoonPay’s single-verification KYC model delegates accountability to the human who activates the agent, but regulatory frameworks have not yet settled how liability is distributed when an autonomous agent executes a sanctioned transaction or breaches a spending boundary. Kill switches, audit trails, and per-session spending limits are features today; the question is whether they become mandatory standards or remain competitive differentiators. Whoever defines that standard, whether through market dominance or regulatory pressure, will hold significant leverage over how agent-driven economic activity is routed, constrained, and ultimately settled.