MoonPay's edge is distribution over strategy design: Mastercard said its MoonPay-linked stablecoin cards would work at 150M+ merchant locations, and MoonPay cited 500+ crypto platform integrations on May 15, 2025. Automated investing is old crypto UX under a model wrapper, from Yearn vaults to TokenSets to Enzyme. The risk shifts to authorization scope, because an AI agent with swap permissions can turn a stale quote or MEV-filled route into a signed order on Uniswap or 1inch.

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