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MooPay: the AI money agent for NEAR
NEAR already has strong tools for private and cross-chain payments: Confidential Intents, private shards, NEAR AI Cloud, and more. But to use any of them, you first have to learn how they work. Which network can the receiver get funds on? Which keys do you need? Which flow do you follow?
Most people never get that far. They read about it, decide it’s too much work, and go back to a plain public send.
The tools were never the problem. What was missing was someone to use them for you.
That’s MooPay, live at moopay.cash.
What an AI money agent does:
You tell MooPay what you want in plain words. It takes it from there.
“Send $20 to alice.sol.”
“Pay my 5 contributors $100 each.”
“Pay rent to bob.near on the 1st of every month.”
The agent works out who the receiver is, picks the best route, sends the money, and follows it until it lands. Then it tells you it’s done. You never pick a bridge, swap a coin, or learn how a protocol works.
Think of it like a trusted assistant for your money. You keep your money in your own wallet, or leave a small amount with the agent for quick payments.
When you ask it to pay someone, it uses NEAR Intents and the tools around it to get the job done. It always stays inside the rules you set: big payments, new receivers and limit changes need your approval first.
Why an agent and not another protocol:
We could have built another privacy protocol. But a new protocol is just one more thing people have to learn. And no single design fits every payment, so picking one means losing the better option half the time.
An agent doesn’t have that problem. It can use whatever works best for each payment, and the person paying never has to know which one it chose.
What you can do today:
1. Pay any wallet on Bitcoin, Solana, Ethereum, NEAR and many other chains, with money from wherever you hold it.
2. Send private claims that only one wallet can open. If no one opens it in 24 hours, it comes back to you.
3. Pay a whole group in one message.
4. Set payments to repeat, like rent.
5. Stake rNEAR and earn with Rhea.
No email. No sign-up.
Being honest about privacy:
Your chat can run in sealed enclaves on NEAR AI Cloud, so even we can’t read it. You never give us your name or email. But payments on public chains are still public, and we say so in our docs.
As private tools like Confidential Intents grow, the agent can use them to keep more of your payments out of sight. We’ll always tell you what stays public.
Other apps can use the agent too:
The chat is what you see today. But the same agent can work inside other apps. A wallet could add “send with MooPay.” A checkout could let customers pay from any chain.
A DAO or payroll tool could pay its team in one request. And AI agents could pay for things on their own, inside limits their owner sets. Each app adds the agent once, instead of learning every protocol itself.
Where this goes:
MooPay ships new updates at moopay.cash every week. If you’re building on NEAR and want your users to pay just by saying it, or you just want crypto payments to finally feel simple, reach out at [email protected].
