MoonPay just gave AI agents their own wallets. The company released MoonPay Agents, a non-custodial software layer that lets autonomous AI systems generate wallets, onramp fiat, swap across chains, trade, set limit orders, DCA, and even handle machine-to-machine x402 payments.
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
⬅️ OfframpMulti-chain. Native x402 support. One CLI prompt.
🤖 https://t.co/7Shff929Og pic.twitter.com/zlTYlns1tW
— MoonPay 🟣 (@moonpay) February 24, 2026
Everything runs locally on the user’s device with OS keychain encryption. The private keys never leave the machine.
One CLI command is enough to spin up an agent that works across Solana, Ethereum, Base, Polygon, Arbitrum, Optimism, BNB Chain, Avalanche, Tron and Bitcoin.
The agent can accept deposits (with automatic stablecoin conversion), perform cross-chain swaps, execute trades, and offramp back to fiat. It also pulls real-time market intelligence, trending tokens, price alerts, token analysis.
Crypto AI agents got a new tool
Developers can plug it into trading bots, gaming agents, commerce automation or treasury systems for the emerging “agent economy.”
MoonPay framed it simply: “Your AI agents need crypto. Now they have it.”
This is the first production-grade, non-custodial toolkit specifically built for AI agents to act as independent economic participants, holding funds, making decisions, and executing transactions without constant human oversight.
The legal frontier Electric Capital is already flagging
The same week, Electric Capital partner Avichal Garg highlighted the deeper implications at NEARCON 2026.
Developers are already giving AI agents crypto wallets so the software can hold assets, pay for services, trade tokens, hire other agents, and run entire onchain businesses autonomously.
The technology is here. The law is not.
Garg put the core question bluntly:
“What happens if there’s not a human behind it at all? … How does liability work in that case? I actually don’t know. You can’t punish an AI. You can turn them off, but they don’t care.”
The pieces in the crypto media frames this as a new legal frontier comparable to the invention of the limited liability corporation in the 19th century, except this time the participant is software, not a company.
Who is liable when an AI agent loses money, breaches a contract, or scales a business that regulators later question? The answers don’t exist yet.
What this actually changes? Probably everything
MoonPay’s launch removes the last major technical barrier for AI agents to operate with real money.
Any developer can now give their agent a funded wallet in under 30 seconds and let it trade, pay bills, or manage treasury autonomously.
Electric Capital’s commentary shows the next barrier is purely legal and regulatory. The infrastructure is arriving faster than the rules can catch up.
For anyone watching the intersection of AI and crypto for AI agents, this week marks a clear inflection point.
AI agents are moving from chatbots to economic actors, and the tools to make them financially independent just went live in production.
The speed is striking. One company shipped the rails. One major VC is already ringing the alarm bell on the liability questions that will dominate 2026 and beyond.
You think the agent economy will come someday? No. The first pieces of its financial system has already shipped.
Crypto market researcher and external contributor at Kriptoworld
Wheel. Steam engine. Bitcoin.
📅 Published: February 27, 2026 • 🕓 Last updated: February 27, 2026
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