Summary
Soto-Wright frames MoonPay's mission as making crypto wallets the new bank account — funding them via debit card, Apple Pay, Venmo, or PayPal — and says MoonPay now serves 35 million people across 160 countries. The new 'MoonPay Agents' product (npm install moon-cli) lets AI agents like OpenClaw spin up local non-custodial wallets, receive funds, swap between assets, and transact with web3 applications. Soto-Wright argues the alignment between non-custodial wallets and self-hosted AI agents is natural: both give the owner control over keys/agents running on their own infrastructure, rather than relying on a custodian.
He is personally using an agent to buy tokenized stocks daily — the agent selects a stock, builds a thesis, and submits for human approval via Telegram. MoonPay Agents is growing at a few thousand downloads per day. On security: Soto-Wright urges users to implement spending controls, keep humans in the loop for transaction approvals (MoonPay currently still requires human authentication), and carefully vet any skills or plugins downloaded into agents as potential malware vectors. He envisions a future where agents manage significant portions of personal finances, but advises starting small until safety controls and policies mature.