MoonPay, a crypto payments infrastructure provider, has launched PayBox, a payment vault that connects ChatGPT and Claude with online payment services, allowing users to prepare purchases, transfers, trades, and bookings without leaving a conversation. The product enters a growing field where technology and financial services companies are racing to give AI assistants the ability to complete transactions, not just answer questions, moving conversational AI from an advisory tool into a direct payments interface.

Users retain direct control through passkeys, transaction limits, and selected approval rules.

Connecting Conversational Tools With Payments

Users install PayBox as a custom connector inside ChatGPT or Claude, then create an account, register a passkey, and add a wallet or payment card. MoonPay requires identity verification when users fund the vault through a linked card.

The service supports crypto purchases, token swaps, asset transfers, and decentralized finance activity, as well as travel bookings, restaurant reservations, and purchases from participating online retailers. Each request begins with a plain-language instruction submitted through the connected assistant, which researches available options and prepares the requested payment or blockchain transaction.

Under the default approval model, the user confirms each action using a registered passkey. Alternatively, autonomous settings allow transactions within limits selected by the account holder.

Split Keys and Transaction Controls

PayBox stores payment methods without exposing complete card or wallet credentials to the connected assistant. MoonPay protects wallet keys through multi-party computation (MPC) and trusted execution environments, ensuring no single system can independently access the full key or approve transfers.

Card payments use Visa's agent commerce protocol to avoid revealing raw card numbers. Visa's participation places PayBox among early implementations of payment-network-backed infrastructure designed specifically for AI-driven purchasing, a space where Mastercard has also announced its own agent commerce initiatives.

Each passkey approval applies to one specific transaction and expires immediately after use, limiting the value of stolen credentials, copied approvals, or compromised devices.

Users can choose between two permission modes: Always Ask, which requires human approval before every payment, transfer, or blockchain action, or Autonomous, which follows spending limits and other controls set by the user.

Blockchain and Online Service Support

At launch, PayBox supports Solana and several Ethereum-compatible networks, including Ethereum, Base, Arbitrum, Polygon, Hyperliquid, Tempo, and Robinhood Chain. MoonPay plans to add more blockchain networks after the initial release.

The platform also works with services using x402, an open standard for machine-initiated payments. Current integrations cover restaurant reservations, online shopping, and flight bookings through selected providers. Coinbase developed x402, while the Linux Foundation now governs the standard with support from major technology and payment companies.

MoonPay built the vault on infrastructure from Sodot, which the company acquired earlier this year. Sodot's systems secure more than $50 billion in assets and over 10 million wallets. MoonPay now combines that infrastructure with a platform serving more than 1,700 enterprise clients across its global payment network.