MoonPay's PayBox lets users authorize ChatGPT and Claude to buy crypto, swap tokens, and pay for services after passkey approval. Supports Solana and Ethereum.
MoonPay launched PayBox, a payment vault that lets users execute crypto transactions and online purchases through conversations with ChatGPT and Claude.
Users connect PayBox to either AI platform through a custom connector. They describe transactions using natural language. The assistant researches and prepares the transaction before executing it under permissions the user sets.
Supported actions include purchasing crypto with fiat, swapping tokens, bridging assets between networks, depositing into decentralized finance protocols, booking flights, and making restaurant reservations.
Users can choose between two permission models. Always Ask requires passkey approval for every transaction. Autonomous allows the AI assistant to operate within spending limits and rules the user selects. Changing those permissions requires a new passkey authorization. Each approval is limited to one specific action and expires after it is used.
PayBox supports Solana alongside EVM-compatible networks including Ethereum, Hyperliquid, Tempo, Base, Robinhood Chain, Arbitrum, and Polygon. The vault also integrates with x402, an open payment standard that allows AI agents to pay services capable of accepting agent-initiated transactions. MoonPay said initial integrations support travel bookings, restaurant reservations, and purchases from major online retailers.
PayBox can work with both crypto wallets and payment cards. Wallet keys are divided through multiparty computation and stored across secure hardware environments. Neither MoonPay nor the AI assistant can independently access the complete private key or authorize transactions, MoonPay said. Card transactions use Visa’s agentic commerce protocol, which allows the AI to complete payments without accessing or storing the underlying card number.
The security infrastructure is based on technology developed by Sodot, a key management company MoonPay acquired earlier this year. Sodot’s infrastructure secures more than $50 billion in assets and over 10 million wallets, according to MoonPay.
MoonPay describes PayBox as noncustodial because users maintain control of their assets. Neither the company nor the connected AI assistant can unilaterally move funds.
The product is now live through the PayBox website.
The launch comes as Coinbase CEO Brian Armstrong recently predicted that AI agents will outnumber human crypto users.
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