MoonPay has rolled out a virtual debit card designed to let autonomous AI agents spend stablecoins at any online merchant that accepts Mastercard, removing a key friction point between decentralized finance and everyday ecommerce.
Called the MoonAgents Card, the product converts crypto to fiat at the point of purchase so AI-driven software agents can complete transactions in real time without a separate custody step. “Agents are already managing wallets, executing trades, and moving value on-chain,” MoonPay founder and CEO Ivan Soto-Wright said. “The one thing they couldn't do was spend at a merchant. Now they can.”
The card is being delivered through a partnership with Monavate, a regulated payments infrastructure provider, and Exodus, the decade-old self-custody wallet company. Unlike some rival offerings that force users to preload funds into a custodial account, MoonAgents lets agents spend directly from an on-chain wallet at the moment of purchase. MoonPay says wallet custody is never transferred and users can revoke agent access at any time.
“AI agents are going to transact constantly, at machine speed, across millions of merchants. Exodus has spent a decade building self-custodial wallets for people,” Exodus co-founder and CEO JP Richardson said. “MoonAgents Card extends that infrastructure to agents, letting them spend directly from an on-chain wallet. The wallets and cards that work for that future look nothing like what exists today—and we're building for that future.”
MoonPay notes strong developer traction: its MoonPay CLI—the command-line interface powering the product—has handled more than 4 million tool calls since launch, with adoption accelerating (the first million calls took 30 days; the second million took just seven). The card currently launches in the United Kingdom and Latin America, with plans to expand into the United States and European Union in the coming months. Identity verification will be required before a card can be issued.
(Disclosure: MoonPay Ventures is an investor in Dastan, parent company of an editorially independent Decrypt.)
The MoonAgents Card signals a broader fintech push to build payment rails for a future where AI systems, not only humans, initiate and complete commerce—bringing stablecoins a step closer to mainstream, merchant-facing use.
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