Moonpay launched a payment vault built for artificial intelligence agents on Wednesday, giving Claude and ChatGPT users a way to trade tokens, book travel and move money without handing an AI custody of their funds.
Key Takeaways
Moonpay launched an AI payment vault on July 29, 2026, connecting to the artificial intelligence (AI) models Claude and ChatGPT.Sodot’s infrastructure secures $50 billion in assets across the vault’s Moonpay backend.Moonpay plans to add DeFi swaps and perpetual futures trading for AI agents next.Wallet keys are split using multiparty computation and held inside secure hardware enclaves. Payment cards are stored so an agent can charge them without ever seeing the card number, using Visa’s agentic commerce protocol.
Two Ways to Set PermissionsUsers choose one of two models for their AI agent:
Always Ask, where every transaction needs a passkey approval. Autonomous, where the AI can act on its own within limits the user sets in advance.Changing those permissions always requires a fresh passkey approval from the human user. Every authorization is scoped to a single action and cannot be reused, and access can be revoked at any time.
Closing Three Fraud VectorsMoonpay says agentic payment fraud typically comes from a stolen credential, a leaked card number, or a single system that can move funds once it is compromised. The vault targets each one directly. Split wallet keys mean a compromised phone does not hand an attacker the ability to move funds, since no device holds a complete key. Visa’s protocol keeps raw card numbers out of the transaction entirely. Single-use passkey approvals mean a captured authorization cannot be replayed or expanded into broader access.
“The card hid the cash. The phone hid the card. This is the era where money disappears into conversation. Billions of AI agents are coming online, and every one of them will need to hold, move, and spend money safely. Someone had to build the trust layer for that world. We just did,” Ivan Soto-Wright, chief executive and founder of Moonpay, remarked in the announcement shared with our newsdesk.
Backed by a $50 Billion Security Stack Live on Seven ChainsThe vault supports Solana and EVM-compatible networks, including Ethereum, Base, Arbitrum, Polygon, Hyperliquid, Tempo and Robinhood Chain, with more planned. Payments route through x402, an open standard for agent-initiated transactions, letting the AI pay any service built to accept them. Restaurant reservations, travel bookings, and shopping with major online retailers are live now, with more integrations rolling out weekly.
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