MoonPay Opens Wallet Standard for AI Agents

MoonPay released the Open Wallet Standard, an open-source framework for AI agents to manage funds and sign transactions across multiple blockchains. The standard provides a unified way to store keys, authorize payments, and interact with services without exposing private keys.

The initiative builds on MoonPay Agents, launched earlier as a non-custodial software layer for autonomous transactions. During development, the company identified fragmentation across agent tools, where each system used separate wallets and key management methods. The new standard addresses this by introducing a shared interface and secure local vault.

More than 15 organizations contributed to the launch, including PayPal, Ripple, the Solana Foundation, and the Ethereum Foundation. The code is available under an MIT license.

The standard integrates with emerging protocols such as x402, AP2, and MPP, which enable machine-driven payments but do not define wallet infrastructure. The Open Wallet Standard introduces a single encrypted storage layer and policy-based signing system, allowing agents to operate within defined limits.

Keys are encrypted and processed in isolated memory, with no exposure to applications or language models. The wallet supports multiple chains through one interface and runs locally without cloud dependency.

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