Supported by donations from PayPal, OKX, Ripple, Tron, TON Foundation, Solana Foundation, Ethereum Foundation, Base, Polygon, Sui, Filecoin Foundation, LayerZero, Dflow, Uniblock, Virtuals, Arbitrum, Dynamic, Allium, Simmer.Markets, and Circle.
NEW YORK, March 23, 2026 /PRNewswire/ — MoonPay, a global leader crypto pays network, started Open A wallet Standard (openwallet.sh), an open source standard that provides AI agents with a secure, universal way to store value, sign transactions, and pay for services on every major blockchain, without exposing the private key. The standard is available today on GitHub, npm, and PyPI, with over 15 organizations contributing.
“A proxy economy has ways to pay. It didn’t wallet conditions. We built it, we open sourced it, and now there’s a full collection.” – Ivan Soto-Wright, CEO and co-founder of MoonPay
From MoonPay Agents to Open Standard
The Open A wallet Standard continued development of the MoonPay product. In February 2026, MoonPay launched MoonPay Agents, a secure software tool that gives AI agents access to wallets, funds, and automation capabilities through the MoonPay CLI. The product is shipped using x402 and multi-chain support. Earlier this month, MoonPay integrated Ledger hardware signature into the agent stack, making it the first agent-focused transaction. wallet to support hardware-supported transaction authorization.
In building those infrastructures, MoonPay hit the same problem facing every other agent design in the space: there is no shared standard for how AI agents interact with wallets. Each plan uses its own key management. Each integration creates its own signature method. A wallet created for one agent cannot be used by another. Private keys end up in different environments, plain text configuration files, and proprietary formats. No portability. There is no shared security model.
MoonPay has taken over wallet the architecture behind MoonPay Agents, developed across chains and runtimes, and released under the MIT open source license. That’s Open A wallet Standard.
The budget is starting with contributions from more than 15 organizations covering every sector of the industry including PayPal, OKX, Ripple, Tron, TON Foundation, Solana Foundation, Ethereum Foundation, Base, Polygon, Sui, Filecoin Foundation, LayerZero, Dflow, Uniblock, Virtuals, Arbitrum, Dynamic, Allium, Simmer.Markets, and Circle.
Full Layer
In the past year, the status of attorneys’ fees has come to a head. Coinbase and Cloudflare has created x402 for HTTP-native stablecoin payments. Google announced the Agent Payments Protocol (AP2) with more than 60 partners for agent-driven transactions. Stripe and Tempo have deployed the Machine Payments Protocol (MPP) for time-based micropayments. The Ethereum The Foundation’s ERC-8004 has created online data registries for untrusted proxies.
These protocols are independently developed. Together, they form an emerging chain of representative economies. But they all assume one thing: that the agent already has wallet. There is no explanation there wallet life, how keys are stored, or how another agent discovers them wallet made by another.
Basically, this means separation. A user who uses three tools or agents today has his funds scattered in three different blind wallets. The same $100 in stablecoins it turns out to be $33 in three places, there is no way to get the same amount from all of them.
The Open A wallet Standard fills that gap: one vault hidden on your machine, one link for each chain, and a security model where the private key is not exposed to the agent, LLM, or any parent process. When x402 returns a payment request, OWS generates a signed authorization. When an MPP opens a session and uses micropayments, OWS signs each payment according to the limits allowed by the agent. Protocols such as x402 and MPP have made machine payments possible. OWS makes them usable. In Open A wallet Standard, the full scale of the representative economy is now available.
The standard does not compete with existing protocols. It makes them more important. Any protocol that requires a signed transaction now has one wallet to call Any device or agent that supports the standard can access the same wallet with the same funds, just as multiple apps on your phone can access the same bank account.
Implementation: the AI agent has a balance of funds in the OWS vault. Receives a payment request via x402 for compute credits, an API call, or a dataset. The policy engine checks the request against the agent’s spending limits. The wallet automatically deletes the key, signs the transaction, deletes the key from memory, and returns the signature. An estate agent. The service provides. The private key has never been exposed to the agent, the LLM context, or any other parent application. The same wallet can open an MPP session, stream payments to a different service, and settle, without changing the line of wallet logic.
“On-chain payments come from wallet addresses, and each chain represents them differently. Shared representation makes it easier for the agent to focus on high-level work rather than details. Mysten Labs is thinking a lot about infrastructure for Sui agents and is happy to contribute to this situation.” – Sam Blackshear, co-founder and CTO of Mysten Labs, the original provider of Sui.
“No one who builds a powerful agent will reduce it to one chain. The Open A wallet The Standard treats every network as a first-class citizen, which is why TON contributes to it.” – Max Crown, President and CEO of the TON Foundation
Open Source, Open Standard
The standard is licensed by MIT and is organized in a framework: seven definitions covering storage, signing, policies, agent access, isolation, wallet lifecycle, and supported chains. Each module can be accepted independently. No proprietary formats or dependencies. Install from MetaMask. Export to any wallet.
The standard includes an open skill marketplace where anyone can post wallet-compatible capabilities: signature plugins, tracking modules, chain adapters. There is no gatekeeping. An ecosystem expands beyond any single organization.
The Open A wallet Standard is the latest step in MoonPay’s deliberate shift to AI infrastructure. Last year, the company moved from web APIs to MoonPay CLI to MoonPay Agents with hardware signatures secured by Ledger. Each step gave AI agents more direct, systematic access to the financial situation. The Open A wallet Standard makes those tools available to every agent, every plan and every chain.
How It Works
- Zero key exposure. AI agents work within LLM environments where any data can appear in a prompt, log or device call. OWS ensures that the private keys are not accessible to the agent process. The keys are encrypted at rest using AES-256-GCM, only decrypted to generate the signature, which is stored in a secure memory that cannot be transferred to disk, and is deleted immediately afterwards.
- Each chain, one shape. A single seed expression generates reports on eight chain families: EVM, Solana, BitcoinCosmos, Tron, TON, Spark, Filecoin, and XRP Ledger. One signup link. CAIP-2 chain determinants. A wallet designed for a single agent works with every protocol, every framework and every chain.
- Signing included in the policy. Independent agents should not have unlimited spending power. The pre-signing policy engine checks each transaction before any key is touched. Spending limits, contract approval lists, chain restrictions, and timed approvals wallet layer. The driver sets the rules. An agent works within them.
- Agent access. Native SDK bindings for Node.js and Python, CLI, and MCP server interface. Agents built on Claude, ChatGPT, LangChain, or any MCP compatible framework can access wallets through their native devices.
- First place. The wallet The vault lives on the user’s machine. No cloud accounts, no remote key management, no online authentication for signing in. The only online call is to publish a signed transaction.
Available
About MoonPay
Founded in 2019, MoonPay is a global financial technology company that helps businesses and consumers drive value across fiat and digital assets. MoonPay has over 30 million customers across 180 countries and supports over 500 active customers crypto and fintech.
In one integration, MoonPay harnesses the power of online and offline, business, crypto fees, and stablecoin infrastructure, connecting traditional payment channels with blockchains.
MoonPay is how the world drives value.
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