MoonPay has launched PayBox, a payment vault that lets ChatGPT and Claude users authorize AI to buy crypto, swap tokens and bridge assets from within a conversation while keeping control of their funds.
Users connect a crypto wallet and payment methods to ChatGPT or Claude, which prepare transactions such as token swaps, crosschain transfers and DeFi interactions using natural-language prompts. Users can approve each transaction with a passkey or set spending limits that allow the AI to execute certain actions automatically, according to MoonPay.
MoonPay said PayBox uses multi-party computation and trusted execution environments to protect wallet keys, preventing either the AI assistant or MoonPay from independently accessing user funds. The platform also lets users require approval for every transaction or allow AI to act autonomously within predefined spending and permission limits.
PayBox supports multiple blockchains and payment methods, including debit cards, bank accounts, Apple Pay and PayPal, according to MoonPay. The company said developers can also integrate the payment vault into their own AI applications through its software development kit.
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Coinbase’s x402 gains AI payments traction
PayBox also supports x402, an open payment protocol originally developed by Coinbase that enables AI agents to make internet-native payments. Contributed to the Linux Foundation in April 2026, the protocol is now governed as an open, vendor-neutral industry standard.
Coinbase has continued expanding the x402 ecosystem this year. In June, the crypto exchange launched tools that let AI agents accept USDC payments, trade crypto, discover paid services through an AI marketplace and process high-frequency micropayments more efficiently.
Earlier this year, Amazon Web Services integrated x402 into its Bedrock AgentCore Payments service, while Fireblocks launched an x402-compatible payments framework for AI agents and joined the x402 Foundation.
Network activity appears to be growing alongside adoption. In a June 3 report, blockchain analytics firm Chainalysis said agentic payments on Coinbase’s Base network surpassed 100 million transactions within roughly nine months, highlighting growing activity around the protocol even as early usage was driven in part by speculative applications.
At the time of writing, the protocol’s public dashboard shows more than 12.7 million transactions over the past 30 days across participating services.
x402scan (past 30-day ecosystem statistics). Source: x402scan.com
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