MoonPay vault enables ChatGPT users to approve crypto trades
MoonPay vault enables ChatGPT and Claude users to authorize crypto purchases, token swaps and crosschain transactions from within AI chats while retaining custody of their funds. The new PayBox payment vault lets assistants prepare deals after users connect wallets and payment methods, with passkey approvals or preset spending limits controlling what the AI can execute automatically.
Key Takeaways
- MoonPay’s PayBox vault lets ChatGPT and Claude prepare crypto buys, swaps and crosschain transfers in chat.
- Users keep custody of assets; keys are protected with multi-party computation and trusted execution environments.
- Each deal can require a passkey approval, or AI can act within preset spending and permission limits.
- PayBox accepts debit cards, bank accounts, Apple Pay and PayPal, and offers a developer SDK.
- The vault also supports Coinbase’s open x402 protocol for AI-native internet payments.
What did MoonPay launch for ChatGPT and Claude?
MoonPay has launched PayBox, a payment vault built so fintech and crypto users can authorize AI assistants to handle crypto activity without handing over custody. According to Cointelegraph, ChatGPT and Claude can prepare purchases, token swaps, crosschain transfers and DeFi interactions from natural-language prompts once wallets and payment methods are connected.
Users connect a crypto wallet and payment methods to ChatGPT or Claude. The assistants prepare transactions such as token swaps, crosschain transfers and DeFi interactions using natural-language prompts, according to MoonPay.
How does the MoonPay vault keep funds secure?
PayBox is designed so neither the AI assistant nor MoonPay can independently access user funds. MoonPay said the vault uses multi-party computation and trusted execution environments to protect wallet keys.
Users can require approval for every transaction with a passkey. They can also set spending limits and permissions that allow the AI to execute certain actions automatically within those bounds. Custody stays with the user either way.
Which payment methods and chains does PayBox support?
MoonPay said PayBox works across multiple blockchains and payment rails, including debit cards, bank accounts, Apple Pay and PayPal. Developers can integrate the vault into their own AI applications through MoonPay’s software development kit.
PayBox also supports x402, an open payment protocol originally developed by Coinbase and contributed to the Linux Foundation in April 2026. The protocol is now governed as a vendor-neutral standard for AI agents making internet-native payments.
Why does x402 matter for this launch?
Coinbase has expanded x402 tooling this year, including June releases that help AI agents accept USDC, trade crypto, find paid services and handle high-frequency micropayments. Amazon Web Services earlier integrated x402 into its Bedrock AgentCore Payments service, while Fireblocks launched an x402-compatible payments framework for AI agents and joined the x402 Foundation.
In a June 3 report, Chainalysis said agentic payments on Coinbase’s Base network surpassed 100 million transactions within roughly nine months. At the time of writing, Cointelegraph noted the protocol’s public dashboard showed more than 12.7 million transactions over the past 30 days across participating services.
Alongside that broader x402 activity, MoonPay’s PayBox vault lets ChatGPT and Claude users authorize crypto transactions from conversation while retaining custody through passkeys or predefined spending and permission limits.