What is MoneySwitch?
MoneySwitch is a self-hosted Web3 wallet service for people and organizations whose AI agents need to pay for x402-compatible APIs. It connects agents on laptops, desktops, or cloud servers to a spending wallet while keeping the wallet’s private key on the server. Administrators issue each agent a revocable MoneyKey with spending rules and can review payment approvals and bills. Payments use USDC on Solana, Base, or Monad, with testnets enabled by default.
MoneySwitch Features:
Agent MoneyKeys: Issue a separate revocable key for each agent, with its own per-request, daily, and total spending limits.
Host Allowlist: Restrict each key to approved service domains, with requests to new public hosts held for human approval.
Payment Approvals: Set an approval threshold so payments at or above it wait for a person to approve or deny them.
x402 Payments: Handle x402 payment requests by checking the key’s policy and signing a USDC payment from the server’s wallet.
Payment Bills: Review payment records by key, amount, URL, chain, and transaction hash in the Dashboard.
HTTP Interface: Let agents make requests through a REST API, including POST /v1/fetch, using a MoneyKey and the service URL.
MoneySwitch Benefits:
Keep Keys Private: Agents can request and make permitted payments without receiving the wallet’s private key.
Limit Exposure: Separate budgets and per-request caps help contain how much an individual agent can spend.
Review Decisions: Human approval rules give an operator a chance to inspect qualifying payments before they proceed.
Trace Spending: Per-key payment records make it easier to see which agent paid for an API request and follow its transaction.
Manage One Payer: Agents across devices can draw on one deployment and wallet, avoiding the need to set up a separate wallet for each.
Use Cases:
Agent API Purchases: Let an AI agent pay a compatible API when a request returns an x402 price, subject to its key’s policy.
Cloud Job Spending: Give a remote agent or script a separate key and budget for paid API calls made during a cloud job.
Multi-Device Agents: Connect agents on a laptop, desktop, and cloud server to the same self-hosted wallet while keeping their limits separate.
Company Bot Budgets: Issue keys to staff agents or company bots while the organization funds and operates the spending wallet.
Approval-Gated Payments: Require a person to review a payment that reaches an agent’s approval threshold before the agent continues its request.