Unofficial field guide

MoonPay and PayBox, explained through what they actually let you do

A plain-language walkthrough of the MoonPay ecosystem and PayBox, its AI agent connector. What each one is for, and how it plays out in practice.

Fan-made guide, not affiliated with or endorsed by MoonPay. Details pulled from paybox.sh and moonpay.com. Check the official sites for anything current.

paybox.sh @moonpay on X @paybox on X

Official accounts, worth following directly rather than trusting screenshots or reposts.

MoonPay: the on-ramp underneath it all

Buy and sell crypto with fiat. A licensed on-ramp and off-ramp so cards and bank transfers can move in and out of crypto directly.
Plugged into major apps. Powers the "buy crypto" button inside wallets and exchanges like Phantom and Coinbase, rather than being a standalone app most people open daily.
Built the Open Wallet Standard. An open source spec for wallet interoperability that PayBox is built on top of.
Beyond payments. Backs cultural projects too, from action sports (MoonPay X Games League) to film funding through Lumara with AskVenice.

How to actually use it

Once a wallet is connected through PayBox, this is genuinely all it takes: plain sentences to your AI app.

1

Confirm the connection is live before anything else.

is my paybox connected?copy
2

Check what is actually in the wallet right now.

what is my portfolio?copy
3

Pull up what has happened so far, verified on chain.

show my paybox transaction historycopy
4

Move funds between tokens without leaving the chat.

swap 0.02 SOL to JUPcopy
5

Ask for your public address if you need to share or verify it.

what's my solana address?copy

My experience so far

First hand, running a real wallet through Claude

Started small: connected a Solana wallet through PayBox and asked Claude to check my portfolio. No app switching, just a normal message, and the balance came back in seconds, straight from the chain.

Ran a real swap next, SOL into JUP, confirmed on chain with a transaction hash I could look up myself. What stood out wasn't the swap itself. It was that everything stayed scoped: a card I have wasn't even granted to this connector unless I said so.

Here's roughly what that looks like in the chat.

check my portfolio
Claude, via PayBoxYour sol1 wallet holds 0.0695 SOL (~$5.07). Want me to check transaction history too?
swap 0.02 SOL to JUP
Claude, via PayBoxSwap confirmed on Solana mainnet. Signed within your granted scope, key never left MPC.

Before and after a scoped key

Same task, two ways of doing it.

Without PayBox

  • Open exchange app, check balance
  • Copy address into a separate DEX
  • Approve token, set slippage manually
  • Switch tabs again to confirm on an explorer
  • Paste a seed phrase somewhere if a bot needs access

With PayBox

  • Type the request in plain language
  • Agent checks balance and proposes the swap
  • Signs inside MPC, scoped to your limits
  • Transaction hash returned in the same chat
  • Private key never seen by the agent or the app

What your AI agent can actually do once it holds a scoped key

PayBox is MoonPay's connector that gives an AI app limited, revocable access to a wallet, cards, and credentials. Here is what that unlocks in practice.

Try it yourself

Check any public Solana balance

This is the same read the portfolio use case runs under the hood. Paste a public address, see exactly what is on chain. No wallet connect, no private key, ever.

Nothing checked yet.

Why handing an agent a key isn't as reckless as it sounds

Keys are sharded. Split via MPC, so no single party, including the AI itself, ever holds a complete key.
Policies set the boundary. Spending caps, merchant locks, and time windows are set by you before an agent can act.
Agents never touch keys. The agent requests an action, and signing happens inside the secured infrastructure, not in the chat.
You choose the mode. Every action can run autonomously within your limits, or wait for a manual approval tap.
Audited by Trail of Bits, NCC Group, and reviewed under AICPA standards. PCI DSS 4.0.1 compliant.
Works across Solana, Ethereum, Bitcoin, Polygon and more. One vault, any app you grant it to.

Glossary

Terms used throughout this guide, in plain words.

On-ramp / off-ramp. Converting regular money into crypto (on-ramp) or crypto back into regular money (off-ramp), usually through a card or bank transfer.
MPC (multi-party computation). A way of splitting a private key into pieces held by different parties, so no single one can ever reconstruct or use the full key alone.
Scoped key. Access that's limited on purpose. Instead of full control of a wallet, an app might only be allowed to spend up to a cap, or only at one merchant.
x402. A payment standard that lets an app pay for something (a booking, an API call) directly over the web, without a separate checkout flow.
DCA (dollar-cost averaging). Buying a fixed amount on a set schedule, like $20 a day, rather than one large purchase at once.
Slippage. The difference between the price you expected on a swap and the price you actually get, since prices can move between when you submit and when it confirms.
Gas. The fee paid to the network to process a transaction. Runs out and transactions stall, which is why some setups auto top it up.
Public address vs private key. An address is safe to share, it's how people send you funds. A private key or seed phrase is not, it's what actually controls the wallet.

FAQ