MoonPay announced on Monday that its AI-enabled payment and wallet service, PayBox, is now available inside Grok, the native chatbot of X (formerly Twitter). The integration lets users worldwide buy, lend and manage crypto across multiple blockchain networks without leaving the social platform.
AI payments move into chat
The launch reflects a broader industry trend to transform chatbots from simple question-answer tools into platforms that can execute financial tasks. Over the past two years, firms such as Coinbase, Stripe, Visa and Mastercard have rolled out services that let AI agents handle payments, shopping and crypto transactions on behalf of users.
How the service works
PayBox users can access Kamino, a Solana-based lending platform, to earn yield on USDC, the dollar-pegged stablecoin issued by Circle. The tool also supports non-crypto requests, such as booking flights or reserving tables at restaurants.
Grok prepares the transaction. The user approves it with a passkey. The money moves,
MoonPay said in a press release. The process requires the user to confirm each transaction with a secure passkey before any funds are transferred.
Implications for Europe
While the service is global, MoonPay previously limited its crypto-lending feature to users outside the United States, the United Kingdom, the European Union and Australia. The new PayBox integration therefore opens a pathway for European users to engage with AI-driven crypto services directly on X, a platform owned by Elon Musk, co-founder of PayPal.
Future developments
MoonPay added the lending feature only days before unveiling a platform that enables businesses to trade digital assets across more than 200 blockchain networks. Earlier in the year, the company released developer tools that allow AI agents to manage wallets and execute trades autonomously. As AI agents become more capable, regulators in the EU are likely to scrutinise how these tools handle consumer data and financial security.
For now, the PayBox rollout marks a significant step in the evolution of "agentic commerce", the use of bots to search, shop and pay on users' behalf, and suggests that more financial services may soon be embedded in everyday social media interactions.