MoonPay, the leading crypto payments network, announced it will launch MoonAgents Card, a virtual Mastercard debit card that lets users and AI agents spend stablecoins directly from their onchain balances. Through seamless crypto to fiat conversion at the point of purchase, the card can be used at any online merchant globally that accepts Mastercard.
This initiative combines MoonPay’s AI agent infrastructure and developer network with Monavate’s regulated card issuing and Mastercard’s global payments network.
Stablecoin debit cards exist, but they weren’t built for agents. As AI agents increasingly participate in digital commerce, MoonAgents Card is designed to be accessed and managed programmatically through MoonPay CLI and MoonPay Agents workflows. Unlike some agent card products that require users to pre-load a custodial balance or transfer funds offchain before spending, MoonAgents Card allows users to enable or delegate authority to agents to spend directly from an onchain wallet at the moment of transaction. MoonPay CLI has processed more than 4 million tool calls since launch, with usage accelerating — the first million took 30 days; the second million took seven.
“Agents are already managing wallets, executing trades, and moving value onchain. The one thing they couldn’t do was spend at a merchant. Now they can,” said Ivan Soto-Wright, CEO and Founder of MoonPay.
“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,” said JP Richardson, CEO and Co-founder of Exodus. “MoonAgents Card extends that infrastructure to agents, letting them spend directly from an onchain wallet. The wallets and cards that work for that future look nothing like what exists today—and we’re building for that future.”
How it Works
MoonAgents Card will link a self-custodial wallet to a Mastercard virtual payment card through Monavate’s infrastructure. The user authorizes a smart contract to access their stablecoin balance at the time of transaction. The purchase is made through standard card payment flows, with Monavate executing the onchain funding and card authorization in real time. If declined, funds return to the wallet immediately. Wallet custody is never transferred, and approvals can be revoked at any time.
MoonPay’s Agent Infrastructure
MoonAgents Card extends the AI-native financial stack MoonPay has shipped over the past year. MoonPay CLI provides a developer command-line interface for crypto payments. MoonPay Agents enables autonomous AI workflows with Ledger-secured hardware signing. The Open Wallet Standard, launched in March with backing from more than 15 organizations including the Ethereum Foundation, Solana Foundation and PayPal, provides a universal framework for agents to hold value and sign transactions across blockchains. MoonAgents Card now gives those agents a way to spend.
Availability
MoonAgents Card is available today through MoonPay CLI in the UK and LATAM, with US and EU availability planned in the coming months. Identity verification is required before card issuance.