MoonPay’s MoonAgents Card Lets AI Agents Spend Stablecoins at Any Mastercard Merchant

Table of Contents MoonPay, a major crypto payments network, has unveiled the MoonAgents Card. This virtual Mastercard debit card allows both users and AI agents to spend stablecoins directly from onchain wallets. The card converts crypto to fiat at the point of purchase, enabling use at any online Mastercard-accepting merchant worldwide. The launch brings together MoonPay’s agent infrastructure, Monavate’s regulated card issuing, and Mastercard’s global payments network. AI agents have increasingly taken on financial roles, managing wallets, executing trades, and moving value across blockchains. Until now, they faced one persistent gap: the inability to spend directly at merchants. MoonAgents Card addresses that gap by enabling programmatic card access through MoonPay CLI and MoonPay Agents workflows. Unlike existing stablecoin cards, MoonAgents Card does not require users to pre-load a custodial balance or move funds offchain before spending. Instead, it draws directly from an onchain wallet at the time of purchase. This design keeps wallet custody with the user at all times, with approvals revocable at any point. MoonPay CEO and Founder Ivan Soto-Wright spoke directly to what makes this launch different. “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,” he said. Exodus CEO and Co-founder JP Richardson connected the development to a longer vision for self-custodial infrastructure. “Exodus has spent a decade building self-custodial wallets for people,” Richardson noted. He added that MoonAgents Card extends that infrastructure to agents, letting them spend directly from an onchain wallet — and that the wallets and cards built for that future will look nothing like what exists today. MoonAgents Card links a self-custodial wallet to a virtual Mastercard through Monavate’s infrastructure. A smart contract authorization accesses stablecoin balances only at transaction time. Monavate handles both the onchain funding and card authorization in real time. If a transaction is declined, funds return to the wallet immediately without delay. The card builds on MoonPay’s broader agent infrastructure, developed over the past year. MoonPay CLI, a developer-facing command-line interface, has processed over four million tool calls since launch. The first million took 30 days, while the second million took just seven. MoonPay Agents enables autonomous workflows using Ledger-secured hardware signing for added security. Supporting the broader ecosystem is the Open Wallet Standard, launched in March 2026 with backing from over 15 organizations. These include the Ethereum Foundation, Solana Foundation, and PayPal. The standard creates a universal framework for agents to hold value and sign transactions across multiple blockchains. MoonAgents Card is currently available through MoonPay CLI in the UK and Latin America. Expansion to the US and EU markets is planned for the coming months. Identity verification is required before card issuance.