MoonPay's Paybox wallet lets non-technical consumers authorize AI agents to spend crypto and fiat on Amazon and other merchants, with built-in spending controls and no coding required.
MoonPay has launched Paybox, a decentralized wallet that lets consumers authorize AI agents to spend their money. The wallet connects to ChatGPT and Claude, allowing the assistants to complete purchases on Amazon, book flights, and reserve restaurants without the user having to manually enter payment details each time, the company said.
Users fund the wallet through a bank account or a crypto wallet, then set spending controls – purchase limits, category restrictions, approval notifications. The AI agent handles the transaction via the x402 open protocol, which MoonPay said is designed to work across merchants and apps without requiring MoonPay's own authorization.
The company is pitching Paybox as an open alternative to payment products from Robinhood, Coinbase, and Visa. The move lands in a sector where crypto payment rails have struggled to gain traction outside niche use cases. A wallet purpose-built for AI agent spending could push stablecoins into mainstream e-commerce, assuming users are comfortable handing spending authority to a bot.
MoonPay said the wallet supports both fiat and crypto transactions, though it did not specify which stablecoins or tokens are accepted. The x402 protocol is not tied to any single blockchain, which the company said ensures interoperability across decentralized applications and traditional online services.
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