MoonPay Agents vs Agent Wallet SDK: Who Actually Owns the Keys?

MoonPay — the company that processes crypto payments for 500 enterprises and 30 million users — launched MoonPay Agents on February 24th. Non-custodial wallets for AI agents. Fiat on-ramps. Cross-chain swaps. x402 compatibility. The whole stack. I've been building Agent Wallet SDK for months. So when a $3.4 billion company ships a competing product, you pay attention. Here's my honest breakdown. What MoonPay Got Right Credit where it's due. They nailed several things: The full lifecycle. Fiat to crypto to agent execution to off-ramp back to fiat. Most agent wallet solutions handle one piece. MoonPay handles the entire pipeline. That's genuinely useful for developers who don't want to stitch together five services. The CLI-first approach. MoonPay CLI lets you spin up a wallet, fund it, and start trading from a terminal. That's developer-friendly in a way their consumer products haven't always been. The scaling vision. They're explicitly designing for thousands-to-millions of agents, not