crypto payments
MoonPay has introduced a virtual debit Mastercard that enables AI agents to spend stablecoins directly from self-custodied wallets at any online merchant accepting Mastercard. The card uses real-time crypto-to-fiat conversion at checkout, without requiring users to preload funds or move assets offchain. It is available to users in the UK and Latin America through MoonPay’s CLI and agent workflows.
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Despite ready infrastructure and consumer interest, fewer than 10% of retailers accept crypto payments, mostly in pilot programs. The hesitation stems from unclear liability, custody, and compliance models that clash with established payment systems. Vitaliy Shtyrkin, chief product officer at B2BINPAY, argues that defining responsibility could accelerate adoption.