MoonPay has open-sourced the Open Wallet Standard (OWS), a universal wallet layer designed specifically for AI agents in the emerging “agent economy.”
What is the Open Wallet Standard (OWS)
It’s an MIT-licensed, open-source framework that gives AI agents a secure, consistent way to: Hold value (funds), Sign transactions, Make payments across major blockchains, Interact without ever exposing private keys to the agent process or the underlying LLM. Key features include: Non-custodial design ? keys stay secure on the user’s device or in isolated storage.
Cross-chain support out of the box for chains like Ethereum, Solana, Polygon, Base, Arbitrum, Sui, TON, and more including Bitcoin in some mentions. Modular components covering key storage, transaction signing, policy controls, cross-chain account derivation, and agent discovery.
Available immediately on GitHub, npm, and PyPI for easy integration in different languages and runtimes. It builds directly on MoonPay Agents which was a non-custodial software layer allowing AI agents to access wallets, funds, and execute trades autonomously via tools and a CLI. OWS generalizes that wallet infrastructure into a shared standard so different agent frameworks don’t need to reinvent key management and signing logic.
Register for Tekedia Mini-MBA edition 20 (June 8 – Sept 5, 2026).
Register for Tekedia AI in Business Masterclass.
Join Tekedia Capital Syndicate and co-invest in great global startups.
Register for Tekedia AI Lab.
Before OWS, every AI agent framework tended to implement its own wallet logic—leading to fragmentation, inconsistent security models, and difficulty with agent-to-agent interactions or discovery of existing wallets. MoonPay positions OWS as the “missing wallet layer” underneath tools like payment protocols, agent runtimes, and on-chain services.
It enables truly autonomous machine-to-machine payments; an AI agent paying for API calls, services, or trading with another agent in a safer, more interoperable way. The release has broad industry support with contributions from over 15 organizations, including: PayPal, Ethereum Foundation, Solana Foundation, Circle, OKX, Ripple, Polygon, Base, Arbitrum, Sui, TON and others (e.g., LayerZero, Virtuals, etc.)
This coalition helps make it a potential de facto standard rather than a proprietary solution. MoonPay’s announcement and the positive early reactions on X suggest this is seen as a foundational piece for scaling AI-driven crypto activity—moving from isolated agents to an interconnected economy where agents can transact fluidly and securely.
OWS acts as a universal, non-custodial wallet layer that these frameworks can plug into without reinventing wallet logic. MoonPay explicitly highlights compatibility with agents built on Claude, ChatGPT, LangChain, and any MCP-compatible systems via SDKs, CLI, and MCP server interfaces.
General-Purpose AI Agent Frameworks
These are the leading frameworks in 2026 for building autonomous or multi-agent systems. Many already support tool-calling for crypto actions, and OWS provides the secure on-chain execution layer. LangChain / LangGraph — The most widely used ecosystem. LangGraph excels at stateful, graph-based workflows with loops, branching, retries, and human-in-the-loop.
It has strong tool integration (hundreds of pre-built tools) and persistent memory. OWS fits naturally as a custom tool for wallet signing and payments. Ideal for complex, production-grade agents that need reliable on-chain actions.
CrewAI — Focuses on role-based multi-agent “crews” with task delegation, hierarchical management, and collaboration. Fastest for prototyping multi-agent teams. Simple sequential or consensus workflows. OWS can serve as the shared wallet backend for the crew to make payments or interact on-chain securely.
Microsoft AutoGen evolving into Microsoft Agent Framework — Strong for conversational multi-agent orchestration and research-style workflows. Supports dynamic agent interactions and custom functions/tools. Good for scenarios where agents negotiate or collaborate on financial tasks. OWS handles the actual signing and fund management underneath.
Claude Agent SDK / Anthropic tools (with MCP) — Native support mentioned by MoonPay. Claude’s tool-use capabilities combined with MCP make it straightforward to give agents wallet access via OWS without exposing keys. Excellent for safe, sandboxed agent behavior. Other notable general ones: LlamaIndex — Great for RAG-heavy agents that need to query data before acting on-chain.
AutoGPT-style or open-source variants — Early autonomous agents; OWS adds safe crypto execution. Virtuals Protocol — One of the contributors to OWS. Builds AI agent infrastructure, often for on-chain or tokenized agents. OWS helps their agents hold value and transact across chains.
Daydreams — Generative agent framework originally for on-chain games but extended to general on-chain task execution. Pairs well with a standard wallet layer.
OpenAgents — Open-source framework for creating, hosting, and managing agents that handle cognitive tasks alongside financial transactions and blockchain interactions. Supports invoice generation, balance checks, and payment flows—OWS would standardize the wallet part.
Other emerging crypto-agent mentions include projects in ecosystems like Base but most still rely on custom wallet integrations that OWS aims to replace. Private keys stay isolated; agents only get policy-gated signing. Unified interface for EVM chains, Solana, Bitcoin, Sui, TON, etc.
Multiple agents or frameworks can share the same wallet vault safely. Integration paths — Node.js/Python SDKs, CLI, MCP server. MoonPay’s earlier “MoonPay Agents” product already demonstrated this with CLI-based autonomous execution. Before OWS, every framework or even each project within a framework built its own fragmented key management and signing logic.
OWS creates a shared “wallet layer” underneath runtimes, tools, and payment protocols—enabling true agent-to-agent or agent-to-service micropayments. If you’re building: Quick prototypes ? Start with CrewAI + OWS. Complex workflows ? LangGraph + OWS. Crypto-native agents ? Explore Virtuals, OpenAgents, or Daydreams with OWS.