MoonPay Announces ‘MoonAgents Card’ Enabling AI Agents to Spend Stablecoins Anywhere Mastercard Is Accepted

WHY THIS MATTERS

The launch of the MoonAgents Card represents a fundamental shift in the “Agentic Economy,” moving AI from being a conversational tool to a participant in the global economy. Historically, AI agents were restricted to “on-chain” environments—trading tokens or managing DeFi protocols—because they lacked a bridge to the traditional merchant world. By integrating with Mastercard and Monavate, MoonPay is providing AI agents with a “fiat identity,” allowing them to autonomously purchase real-world services, digital subscriptions, and enterprise tools. This is the first time a self-custodial infrastructure has been coupled with real-time, programmatic card issuance, enabling “machine-to-merchant” commerce without requiring a human to pre-fund a custodial account.

This infrastructure is built on the momentum of MoonPay’s developer tools; the MoonPay CLI has already processed over 4 million tool calls, with adoption doubling in speed every few weeks. By utilizing the Open Wallet Standard, MoonPay is ensuring that these agents can operate across blockchains while maintaining the security of hardware signing through Ledger. In a 2026 landscape where stablecoin volumes have surpassed traditional credit networks, the MoonAgents Card provides the “last mile” connectivity that allows an autonomous agent to not only earn and manage value but also spend it at any of the millions of merchants on the Mastercard network.

MoonPay, the leading crypto payments network, today 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.

FF NEWS TAKE

MoonPay is effectively building the “Visa for AI.” While traditional debit cards were designed for human-speed transactions and manual approvals, the MoonAgents Card is designed for “machine speed,” where smart contracts authorize spending at the moment of the transaction. The collaboration with Exodus and the backing of the Ethereum and Solana Foundations suggest that the industry is coalescing around a new standard for autonomous finance. By keeping the assets in self-custody until the micro-second of purchase, MoonPay is solving the trust problem that has hindered agentic spending: the user delegates authority, not ownership.

However, the rapid rollout of autonomous spending tools will trigger a massive shift in regulatory and compliance requirements. Identity verification (KYC) for an AI agent’s human controller is a complex frontier, and MoonPay’s “CLI-first” launch in the UK and LATAM suggests a calculated, phased approach to navigating these hurdles. As agents begin to transact constantly across millions of merchants, the “merchant-of-record” will face a new reality where their customers are increasingly non-human. For MoonPay, this launch isn’t just about a new card; it’s about establishing the primary financial interface for a future where AI agents are the most active spenders in the digital economy.