MoonPay's PayBox Places a Crypto Pockets Inside Claude and ChatGPT—And Lets It Pay for Issues – Decrypt

MoonPay launched PayBox at this time—a cost vault that plugs into Claude and ChatGPT and lets AI brokers, software program applications that full duties autonomously in your behalf, to truly spend cash for you.

The mechanics are pretty simple. The vault acts as a safe digital protected that shops each crypto wallets and cost playing cards. You inform the chatbot what you need. The AI then strains up the transaction. You approve it with a passkey (a safe digital key saved in your cellphone or system, like Face ID for funds). The cash then strikes.

“The cardboard hid the money. The cellphone hid the cardboard. That is the period the place cash disappears into dialog,” MoonPay CEO Ivan Soto-Wright mentioned in a press release. “Billions of AI brokers are coming on-line, and each one among them might want to maintain, transfer, and spend cash safely.” (Disclosure: MoonPay Ventures is an investor in Dastan, Decrypt’s father or mother firm.)

Till now, Claude and ChatGPT might analysis investments, evaluate flight costs, and plan purchases—however could not full them. You continue to needed to open a browser, log right into a cost service, and do the precise transaction your self. PayBox goals to shut that hole.

First integrations reside at launch: restaurant reservations, flight bookings, and buying throughout main on-line retailers. Customers can even swap tokens, bridge funds between blockchains, and route cash into DeFi protocols like Aave.

PayBox helps Solana and 7 Ethereum-compatible chains (Ethereum itself, Hyperliquid, Tempo, Base, Robinhood Chain, Arbitrum, and Polygon) at launch. It additionally works with x402, an open cost protocol that Coinbase developed and has since donated to the Linux Basis—now backed by Visa, Mastercard, Stripe, Shopify, AWS, and Anthropic—that lets AI brokers pay any service constructed to simply accept agent-initiated transactions.

PayBox did not come out of nowhere. MoonPay has been constructing towards this for many of 2026. In March, the corporate launched an open pockets commonplace for AI brokers, backed by PayPal, the Ethereum Basis, and the Solana Basis. In Might, it launched an app letting customers purchase crypto inside ChatGPT—although that model nonetheless despatched customers to a checkout web page to finish the acquisition. In June, it shipped a desktop app connecting Claude and Codex to crypto wallets instantly.

The infrastructure beneath PayBox comes from Sodot, an Israeli key administration startup MoonPay acquired for roughly $100 million in April, in an all-stock deal. Sodot’s expertise already secures greater than $50 billion in belongings and over 10 million wallets for purchasers together with eToro and BitGo.

Pockets keys are cut up utilizing MPC—multi-party computation, a cryptographic approach the place a personal secret is damaged into separate items held by totally different events, so no single one can entry your funds by itself. These fragments are saved in TEEs (trusted execution environments—remoted zones in {hardware} that shield delicate knowledge even from the server working the software program).

Per the corporate’s launch announcement, “pockets keys are cut up by way of MPC throughout hardware-isolated enclaves, so no system, session, or celebration, not MoonPay, not the AI agent, ever holds an entire key or can signal alone.”

Card funds route via Visa’s agentic commerce protocol. Meaning the AI processes the cost with out ever seeing your precise card quantity—lowering the chance of credentials leaking and being reused.

MoonPay frames PayBox as fixing a structural drawback that is plagued present merchandise. “Present merchandise pressure a tradeoff between comfort and management: to let an agent transact autonomously, the person usually has to authorize it to take custody of funds outright, trusting a single celebration, the platform, the agent, or a hosted pockets, to carry and transfer that cash safely,” the corporate mentioned. “PayBox is constructed so no celebration, together with MoonPay and the AI itself, can unilaterally entry the person’s funds or credentials.”