New York — MoonPay, the global crypto payments network, has launched the Open Wallet Standard (OWS), an open-source framework that gives AI agents a secure, universal way to hold value, sign transactions, and pay for services across every major blockchain—without ever exposing private keys.
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The standard is live on GitHub, npm, and PyPI, with contributions from over 15 organizations including PayPal, OKX, Ripple, Tron, Solana Foundation, Ethereum Foundation, Base, Polygon, TON Foundation, Filecoin Foundation, LayerZero, Dflow, Uniblock, Virtuals, Arbitrum, and Circle.
"The agent economy has payment rails—but it didn’t have a wallet standard. We built one, open-sourced it, and now the full stack exists," said Ivan Soto-Wright, CEO and co-founder of MoonPay.
From MoonPay Agents to a Universal Standard
The Open Wallet Standard grew from MoonPay Agents, a non-custodial software layer launched in February 2026 that allows AI agents to access wallets, manage funds, and transact autonomously via the MoonPay CLI. Early support included x402 protocol compatibility, multi-chain access, and Ledger hardware signing—the first agent-focused wallet to support hardware-backed transaction approvals.
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But every AI agent framework faced the same problem: no universal wallet standard. Each framework had its own key management, signing logic, and wallet formats. Wallets weren’t interoperable. Keys were scattered across environment variables, plaintext files, or proprietary formats. Security and portability were inconsistent.
MoonPay took its agent wallet stack, generalized it across chains and runtimes, and released it under an MIT open-source license—the Open Wallet Standard.
Why the Wallet Layer Matters
Recent innovations in agent payments—x402 (Coinbase + Cloudflare), Agent Payments Protocol (Google), Machine Payments Protocol (Stripe + Tempo), and ERC-8004 identity registries (Ethereum Foundation)—have enabled machine-to-machine payments. But all of these assume that the agent already has a wallet.
Without a shared standard, a user running multiple agents could end up with funds scattered across three wallets. The same $100 might be split into $33 across three apps, with no way to manage them collectively.
The Open Wallet Standard solves this problem:
One encrypted vault, all chains: A single wallet interface for multiple blockchains, with private keys never exposed to the agent, LLM, or parent process.
Policy-gated spending: Limits, allowlists, chain restrictions, and time-bound authorizations enforced at the wallet layer.
Agent-native access: Node.js and Python SDKs, CLI, and MCP server interface for seamless integration with Claude, ChatGPT, LangChain, or any MCP-compatible framework.
Local-first security: Keys remain on-device, encrypted with AES-256-GCM, decrypted only during signing, and wiped immediately after.
"Nobody building a serious agent is going to limit it to one chain. The Open Wallet Standard treats every network as a first-class citizen," said Max Crown, CEO of TON Foundation.
How It Works
Zero key exposure: Keys are encrypted at rest, decrypted only to produce signatures, and never accessible to the agent process.
Multi-chain compatibility: One seed phrase can generate accounts across EVM, Solana, Bitcoin, Cosmos, Tron, TON, Spark, Filecoin, and XRP Ledger.
Policy-driven transactions: Pre-signing policy engine enforces spending rules.
Agent-first access: SDKs and CLI allow agents to transact safely and autonomously.
Local vault: No cloud dependencies; only signed transactions are broadcast on-chain.
Open Source, Open Ecosystem
OWS is modular, MIT-licensed, and built to integrate with existing protocols like x402 or MPP. It includes a wallet-compatible skills marketplace for plugins, compliance modules, and chain adapters. Anyone can contribute—no gatekeeping.
"On-chain payments originate from wallet addresses, and every chain represents them differently. A unified representation allows agents to focus on tasks rather than infrastructure," added Sam Blackshear, CTO of Mysten Labs.
The standard represents MoonPay’s continued pivot toward AI-native infrastructure, moving from APIs to MoonPay CLI, MoonPay Agents, and now the Open Wallet Standard, making programmable finance accessible to every agent and every chain.
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Availability
Install:
curl -fsSL https://openwallet.sh/install.sh | bashNode.js SDK:
npm install @open-wallet-standard/corePython SDK:
pip install open-wallet-standardSpec & source: github.com/open-wallet-standard
Website: openwallet.sh
