MoonAgents Card: Crypto-funded virtual payment cards

MoonAgents Card turns your stablecoin balance into spending power through a virtual payment card, powered by a third-party card-issuing provider, Monavate. You can use the MoonPay CLI to initiate the card creation process. Once you've verified your identity, completed onboarding with Monavate, and delegated a funded wallet, your MoonPay Agent can use the card for online purchases.

The card uses a self-custodial wallet setup, so you stay in control of your funds. They never leave your wallet until a purchase is made.

MoonAgents Card connects your stablecoin balance to a virtual payment card through a regulated card-issuing setup (provided by Monavate).

Here's how the full setup process works from wallet creation to first spend:

The only step that requires human intervention is identity verification - an agent interacting with the MoonPay CLI will guide you through all other steps.

When you make a purchase, the required amount is debited from your delegated wallet at the moment of the transaction. If a transaction is declined, no funds move.

From the merchant's perspective, MoonAgents Card works like any other virtual payment card. Behind the scenes, your stablecoin balance is what powers each transaction.

When you make a purchase:

You can set up a MoonAgents Card using MoonPay CLI as part of your broader wallet workflow.

Install MoonPay CLI by running:

Follow the link to verify your account, then run mp verify <code> with the code from the sign-in page.

The card issuer (Monavate) needs to verify your identity. Start the KYC flow:

The command returns a Veriff link. Open it in your browser and complete identity verification (a photo of your ID and a quick selfie).

When verification is complete, this returns Monavate's live terms of service, privacy policy, and (for US residents — coming soon) E-Sign Act disclosure URLs. Read them, then accept:

To view card status (last 4 digits, status):

To view full card details (PAN, CVV, expiry — for entering into a merchant page):

Pick a Solana wallet you control and delegate a spending allowance:

This delegates up to 5,000 USDC from that wallet to fund card transactions. Your card can spend up to that allowance; once it's used up, you'll need to re-delegate (or you can re-delegate any time).

You're done! The card is now usable.

You can manage your card through the same MoonPay CLI workflow you used to create it.

This builds and broadcasts an on-chain Revoke transaction. Once it confirms, the card can no longer spend from that wallet.

MoonAgents Card uses a self-custodial setup, so you have complete ownership and control of your linked wallet at all times; including while your card is active. There are no restrictions on moving funds out of your wallet. Use the standard wallet commands:

If you already use MoonPay Agents or MoonPay CLI, Moon Agent Card fits right into your existing setup. You can create a wallet, complete verification, fund it, and manage your card all from the same CLI workflow.

For example, an agent that monitors your stablecoin balance and tops up your card when it runs low is a natural extension of the automation patterns covered in the MoonPay Agents guides.

Depending on your setup, you can also use MoonPay tools to create and manage wallets, fund a wallet with crypto or fiat, check balances before spending, and run wallet and funding actions through MoonPay CLI.

You must complete identity verification before you can receive card details or use your card. Verification is handled by Veriff, an industry-standard provider, and typically completes within a few minutes, though it may take longer depending on document quality and your region.

Verification may include a government-issued ID, liveness or biometric checks, sanctions and PEP screening, AML checks, and residential address confirmation.

MoonAgents Card currently supports USDC and XO on the Solana network. The exact combination of supported assets and networks can vary by region and product availability. Additional chains and stablecoins are on the roadmap.

Once issued, MoonAgents Card works like a standard virtual payment card in supported use cases.

Your card includes a card number, expiry date, and CVV. There's no physical card — everything is virtual.

The primary use case today is online purchases — issue your card via MoonPay CLI and use the card details to pay anywhere Mastercard is accepted online.

This means your stablecoin balance can work in two directions at once. From a single set of locally managed wallets, your agent can interact with DeFi and prediction markets while you spend in the real world.

If a merchant issues a refund, the amount is returned through the standard card network process and credited to your available balance once processed. Timing depends on the merchant and card network.

A transaction may be declined if your delegated allowance is too low, a compliance or fraud-prevention check is triggered, the merchant or transaction type isn't supported, or your card has been frozen. If an authorization fails, no funds leave your wallet.

Disputes follow the standard card network process. If you notice an issue with a transaction, contact MoonPay Support first so the case can be reviewed and escalated if needed.

MoonAgents Card availability and usage depend on your region, verification status, and compliance checks.

Your region is confirmed during verification and can't be changed after card issuance. Access from restricted jurisdictions is prohibited.

US residents are not currently supported - US support is on the roadmap. Other regional eligibility is confirmed during verification.

Your spendable balance is governed by the SPL Approve allowance you set when delegating a wallet using mp card wallet link --amount …

Your card cannot spend more than that allowance until you re-delegate. Specific regulatory limits vary by region and account status.

Contact MoonPay Support first for any MoonAgents Card issue. MoonPay handles setup, wallet connection, onboarding, card access, and general troubleshooting. If your issue needs coordination with Monavate, MoonPay will manage that as part of the support process.

You can reach out about card setup and access, verification status, wallet connection issues, funding problems, declined transactions, refund or dispute questions, and general MoonAgents Card troubleshooting.

To help speed things up, include your wallet address, your card ID (run mp card retrieve to find it), a description of the issue, relevant transaction details, and any screenshots or error messages.