MoonPay launches Open Wallet Standard for AI-driven blockchain transactions

MoonPay has launched the Open Wallet Standard, an open-source framework designed to give AI agents a consistent way to hold value, sign transactions and make payments across multiple blockchains without exposing private keys.

The standard is positioned as infrastructure for what MoonPay describes as the emerging “agent economy”, where AI agents interact with services, settle payments and execute transactions autonomously. According to the company, the Open Wallet Standard is intended to address a gap in the current market: while payment protocols for AI-driven transactions are developing quickly, there is still no shared standard for how agents connect to wallets, manage keys or reuse wallet infrastructure across different frameworks.

MoonPay said the new standard grew out of its own product development, following earlier launches including MoonPay CLI and MoonPay Agents, a non-custodial software layer for agent-based transactions. The company has now open-sourced that wallet infrastructure under an MIT licence and made it available through GitHub, npm and PyPI.

The Open Wallet Standard is designed around several core features. These include encrypted key storage, signing in protected memory, policy-based transaction controls and support for multiple blockchain ecosystems through a single interface. MoonPay said the wallet layer supports account derivation across a range of chain families, including EVM, Solana, Bitcoin, Cosmos, Tron, TON, Spark, Filecoin and XRP Ledger.

The company also argues that the standard complements, rather than competes with, other machine payment and agent transaction protocols now taking shape in the market. Its aim is to provide a reusable wallet layer that different tools, agents and protocols can access, reducing fragmentation and improving portability across services.

MoonPay said the standard has support and contributions from more than 15 organisations across payments, blockchain infrastructure and digital assets, including PayPal, OKX, Ripple, Circle, Base, Polygon, Solana Foundation and Ethereum Foundation.

About the Company

MoonPay is a crypto infrastructure company that provides tools for buying, selling and using digital assets. Its products span payment rails, on-ramp services and wallet-related infrastructure, with a growing focus on tools designed for AI-native and programmable financial use cases.

Why This Matters to FinanceX Readers

This launch is relevant because it points to a new infrastructure race at the intersection of AI, payments and digital assets. Much of the recent attention has focused on how AI agents will pay, trade and transact, but less on the wallet architecture needed to do that securely and at scale.

For finance professionals and market watchers, MoonPay’s move suggests the next phase of digital asset infrastructure may be shaped not only by blockchains and payment rails, but by standards that determine how autonomous systems securely control money.