OPEN WALLET STANDARD

The Open Wallet Standard (OWS) is an open-source specification that gives AI agents and developer tools a secure, universal way to hold value, sign transactions, and pay for services across every major blockchain - without ever exposing a private key. For neobank builders deploying autonomous agents, OWS solves the foundational problem: there is no shared standard for how AI agents interact with wallets. Every agent framework today rolls its own key management. Private keys end up in environment variables, plaintext config files, and proprietary formats. A wallet created for one agent cannot be used by another. OWS replaces this fragmentation with a single open standard: one encrypted vault on the user's machine, one interface for every chain, and a security model where the private key is never exposed to the agent, the LLM, or any parent process. OWS supports EVM (Ethereum, Base, Polygon, Arbitrum, Optimism), Solana, Bitcoin, Cosmos, Tron, TON, Sui, Filecoin, Spark, and XRP Ledger - all from a single seed. The standard ships with native SDK bindings for Node.js and Python, a CLI, and an MCP server interface. The standard grew out of MoonPay's own product development. MoonPay took the wallet infrastructure behind MoonPay Agents, generalised it across chains and runtimes, and released it under an MIT licence. Contributors include PayPal, OKX, Ripple, Circle, the Ethereum Foundation, Solana Foundation, Base, Polygon, Sui, TON Foundation, and Tron.