[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"article-moonpay-open-wallet-standard-ai-payments-zh":3,"tags-moonpay-open-wallet-standard-ai-payments-zh":34,"related-lang-moonpay-open-wallet-standard-ai-payments-zh":50,"related-posts-moonpay-open-wallet-standard-ai-payments-zh":54,"series-blockchain-e1b4b518-f86b-410c-8c82-8cfb787ff2ef":91},{"id":4,"title":5,"content":6,"summary":7,"source":8,"source_url":9,"author":10,"image_url":10,"keywords":11,"language":22,"translated_content":10,"views":23,"is_premium":24,"created_at":25,"updated_at":25,"cover_image":26,"published_at":25,"rewrite_status":27,"rewrite_error":10,"rewritten_from_id":28,"slug":29,"category":30,"related_article_id":31,"status":32,"google_indexed_at":33,"x_posted_at":10,"tweet_text":10,"title_rewritten_at":10,"title_original":10,"key_takeaways":10,"topic_cluster_id":10,"embedding":10,"is_canonical_seed":24},"e1b4b518-f86b-410c-8c82-8cfb787ff2ef","MoonPay 推 OWS，瞄準 AI 付款","\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.moonpay.com\u002F\" target=\"_blank\" rel=\"noopener\">MoonPay\u003C\u002Fa> 這次直接把問題講白了。它說自家平台已經碰到超過 3000 萬名客戶，服務遍及 180 國。另一邊，\u003Ca href=\"https:\u002F\u002Fgithub.com\u002Fmoonpay\u002Fopen-wallet-standard\" target=\"_blank\" rel=\"noopener\">Open Wallet Standard\u003C\u002Fa> 也拿到 15 家以上組織背書。\u003C\u002Fp>\u003Cp>說真的，這數字很有意思。AI agent 現在很會做事，卻常卡在付款。能寫程式、能排程、能下指令，但一碰到錢，很多系統就開始手忙腳亂。\u003C\u002Fp>\u003Cp>MoonPay 的做法很直接。它想做一層非託管軟體，讓 AI agent 能簽交易、管資產、跨鏈移動。重點是，私鑰不會直接丟給模型。\u003C\u002Fp>\u003Ch2>為什麼錢包變成 AI 的缺口\u003C\u002Fh2>\u003Cp>現在大家都在聊 agent。可是真正落地時，付款常常才是地雷區。模型可以幫你生成內容，也可以幫你跑流程。可是一旦要付 API 費用、買算力、結算帳單，就會碰到錢包相容性問題。\u003C\u002Fp>\u003Cp>MoonPay 把這個缺口叫做標準問題。它在 2026 年 3 月 23 日推出 OWS，主打開源、政策控管簽章、以及 local-first 儲存。講白了就是，AI 可以動手，但只能在你先畫好的框內動手。\u003C\u002Fp>\u003Cp>這種設計很像給機器一張帶限額的卡。不是讓模型自己亂刷，而是先設規則，再讓 agent 依規則執行。對開發者來說，這比事後補洞實際很多。\u003C\u002Fp>\u003Cul>\u003Cli>原始碼公開在 \u003Ca href=\"https:\u002F\u002Fgithub.com\u002Fmoonpay\u002Fopen-wallet-standard\" target=\"_blank\" rel=\"noopener\">GitHub\u003C\u002Fa>\u003C\u002Fli>\u003Cli>也透過 \u003Ca href=\"https:\u002F\u002Fwww.npmjs.com\u002F\" target=\"_blank\" rel=\"noopener\">npm\u003C\u002Fa> 和 \u003Ca href=\"https:\u002F\u002Fpypi.org\u002F\" target=\"_blank\" rel=\"noopener\">PyPI\u003C\u002Fa> 發佈\u003C\u002Fli>\u003Cli>支援 8 類鏈家族，包括 \u003Ca href=\"https:\u002F\u002Fbitcoin.org\u002Fen\u002F\" target=\"_blank\" rel=\"noopener\">Bitcoin\u003C\u002Fa>、\u003Ca href=\"https:\u002F\u002Fethereum.org\u002Fen\u002F\" target=\"_blank\" rel=\"noopener\">Ethereum\u003C\u002Fa>、\u003Ca href=\"https:\u002F\u002Fsolana.com\u002F\" target=\"_blank\" rel=\"noopener\">Solana\u003C\u002Fa>\u003C\u002Fli>\u003Cli>支援政策式簽章，能先檢查額度再送出交易\u003C\u002Fli>\u003C\u002Ful>\u003Cp>這裡真正重要的，不是又多了一個錢包 SDK。重點是，機器終於有一個共通介面可以碰錢。若 AI agent 能用同一套錢包邏輯跨鏈運作，開發團隊就不用每個生態系都重寫一次。\u003C\u002Fp>\u003Cp>MoonPay 會押這一注，也不算意外。它本來就站在加密支付和法幣出入金的交界。它最清楚哪一層最容易碎，也最容易變成產品瓶頸。\u003C\u002Fp>\u003Ch2>誰在撐這個標準\u003C\u002Fh2>\u003Cp>MoonPay 沒把 OWS 做成封閉產品。它走的是開源路線。這件事很現實。標準不是自己喊就算數，而是要別人真的接得上。\u003C\u002Fp>\u003Cp>它說目前已有 15 家以上組織支持，包含 \u003Ca href=\"https:\u002F\u002Fethereum.org\u002Fen\u002Ffoundation\u002F\" target=\"_blank\" rel=\"noopener\">Ethereum Foundation\u003C\u002Fa>、\u003Ca href=\"https:\u002F\u002Fsolana.org\u002F\" target=\"_blank\" rel=\"noopener\">Solana Foundation\u003C\u002Fa>、\u003Ca href=\"https:\u002F\u002Fwww.paypal.com\u002F\" target=\"_blank\" rel=\"noopener\">PayPal\u003C\u002Fa>。同時，開發者可以直接看公開 repo、fork、測試，不用等私有 beta。\u003C\u002Fp>\u003Cp>這種打法很像在搶介面層。產品可以很多，但標準只要一個。誰先把規格定下來，誰就比較有機會站在中間層。\u003C\u002Fp>\u003Cblockquote>“The agent economy has payment rails. It didn’t have a wallet standard. We built one, open-sourced it, and now the full stack exists,” said \u003Ca href=\"https:\u002F\u002Fwww.moonpay.com\u002F\" target=\"_blank\" rel=\"noopener\">Ivan Soto-Wright\u003C\u002Fa>, CEO and co-founder of MoonPay.\u003C\u002Fblockquote>\u003Cp>這句話很直白。它把 OWS 定位成基礎設施，不是功能清單上的一格。MoonPay 想定義的是，軟體怎麼安全地碰錢。\u003C\u002Fp>\u003Cp>它還提到最近把 Ledger 硬體簽章整合進 agent stack。這很有意思。代表市場不是只想要自動化，也想要更硬的控管。速度要有，風險控管也不能少。\u003C\u002Fp>\u003Ch2>對開發者到底有什麼差\u003C\u002Fh2>\u003Cp>對工程師來說，OWS 最實際的地方不是行銷詞，而是權限模型。它把私鑰加密保存，並用政策控制簽章。這樣一來，agent 就算被 prompt injection 影響，也不該直接把錢包搬空。\u003C\u002Fp>\u003Cp>這件事在自動化付款場景很重要。像是 onchain commerce、財務自動結算、機器對機器付款，都需要這種控制層。沒有這層，很多 demo 只能停在 demo。\u003C\u002Fp>\u003Cp>而且跨鏈很麻煩。每個鏈的簽章流程、地址格式、交易結構都不太一樣。若標準能把這些差異收斂，團隊就能少寫很多重複程式。\u003C\u002Fp>\u003Cul>\u003Cli>MoonPay 宣稱支援 8 類鏈家族，比很多單鏈工具更廣\u003C\u002Fli>\u003Cli>它提到 500+ enterprise partners，代表分發管道不小\u003C\u002Fli>\u003Cli>平台觸及 180 國，表示它不是只想做單一市場\u003C\u002Fli>\u003Cli>私鑰不交給模型，可降低模型錯誤外洩風險\u003C\u002Fli>\u003C\u002Ful>\u003Cp>我覺得這裡最實用的是可預測性。開發者不怕複雜，怕的是每次失敗都長得不一樣。若 OWS 能把失敗模式、授權流程、額度限制都講清楚，它就真的有價值。\u003C\u002Fp>\u003Cp>但標準要活下來，文件一定要夠清楚。沒人想再多接一層脆弱的客製化邏輯。尤其是金融相關程式，維護成本通常比你想得更兇。\u003C\u002Fp>\u003Ch2>跟其他加密基礎設施怎麼比\u003C\u002Fh2>\u003Cp>MoonPay 的對手不只錢包公司。它其實也在跟託管商、支付平台、以及想做 agent 金流的基礎設施團隊競爭。這個賽道很雜，邊界也很模糊。\u003C\u002Fp>\u003Cp>它的優勢在分發。3000 萬客戶、500+ enterprise partners、180 國觸及，這些都不是小數字。對標準來說，分發比技術口號更重要。畢竟沒人用的標準，最後只會躺在 repo 裡。\u003C\u002Fp>\u003Cp>但它也有壓力。OWS 要真的成為共通規格，就不能只靠 MoonPay 自己。它得讓更多團隊願意接，願意改，願意在 production 用。\u003C\u002Fp>\u003Cul>\u003Cli>\u003Ca href=\"https:\u002F\u002Fwww.ledger.com\u002F\" target=\"_blank\" rel=\"noopener\">Ledger\u003C\u002Fa> 強在硬體私鑰保護，MoonPay 強在軟體標準\u003C\u002Fli>\u003Cli>\u003Ca href=\"https:\u002F\u002Fwww.circle.com\u002F\" target=\"_blank\" rel=\"noopener\">Circle\u003C\u002Fa> 主打穩定幣與支付 API，OWS 則卡在簽章層\u003C\u002Fli>\u003Cli>\u003Ca href=\"https:\u002F\u002Fwww.okx.com\u002Fweb3\" target=\"_blank\" rel=\"noopener\">OKX Wallet\u003C\u002Fa> 偏向人類使用者，OWS 偏向自治軟體\u003C\u002Fli>\u003Cli>\u003Ca href=\"https:\u002F\u002Fwww.paypal.com\u002F\" target=\"_blank\" rel=\"noopener\">PayPal\u003C\u002Fa> 有主流支付規模，MoonPay 則想做跨鏈標準\u003C\u002Fli>\u003C\u002Ful>\u003Cp>這種比較下來，你會發現 MoonPay 的位置其實不差。它不用自己吃下所有終端使用者。它只要變成底層規格，很多 agent 付款產品都可能繞不開它。\u003C\u002Fp>\u003Cp>不過標準戰最怕一件事：大家都說好，最後卻沒人真的上線。真正的考驗，是能不能接進既有系統，還能保留審計、額度、鏈別差異這些基本要求。\u003C\u002Fp>\u003Ch2>這波其實在補產業缺口\u003C\u002Fh2>\u003Cp>AI 代理人不是新詞了。真正變多的是，大家開始想把它接到真實金流。這時候，錢包就不只是錢包，而是權限、風控、簽章、審計的集合體。\u003C\u002Fp>\u003Cp>加密產業過去很愛談去中心化。可是一碰到企業付款、機器付款、跨鏈結算，就會發現沒有標準很痛。每個團隊都在重造輪子，然後再花時間修輪子。\u003C\u002Fp>\u003Cp>OWS 這種東西的價值，就在於它把「怎麼讓 AI 安全碰錢」變成一個可討論的介面。這比單純再多一個錢包 App 實際太多。\u003C\u002Fp>\u003Cp>如果你看整個產業脈絡，這也很合理。AI 會越來越多地碰到 API、算力、資料服務，最後都會回到付款。沒有付款層，很多 agent 只能停在半成品。\u003C\u002Fp>\u003Cp>所以 MoonPay 的策略很明確。它不是只想做支付入口，而是想卡住 agent 金流的中介層。這種位置很難，但一旦站穩，黏性通常也很高。\u003C\u002Fp>\u003Ch2>接下來要看什麼\u003C\u002Fh2>\u003Cp>我覺得接下來 3 到 6 個月最重要。不是看新聞稿，而是看有多少團隊真的把 OWS 放進 production。只要有幾個實際案例，標準就會開始有分量。\u003C\u002Fp>\u003Cp>如果你是開發者，現在可以先看 repo、看政策模型、看它怎麼處理私鑰與簽章。你也可以直接問自己一個問題：你的 AI agent，現在有沒有一條能安全付錢的路？\u003C\u002Fp>\u003Cp>答案如果還沒有，那 OWS 這類標準就值得追。因為下一波 AI 應用，很多都不是先比模型多會講話，而是先比誰能更穩地處理交易。\u003C\u002Fp>","MoonPay 推出開源 Open Wallet Standard，主打讓 AI agent 跨 8 類鏈簽交易。它有 15+ 夥伴、3,000 萬用戶，想補上 AI 付款最後一塊拼圖。","news.bitcoin.com","https:\u002F\u002Fnews.bitcoin.com\u002Fmoonpay-launches-open-wallet-standard-to-unify-ai-agent-payments\u002F",null,[12,13,14,15,16,17,18,19,20,21],"MoonPay","Open Wallet Standard","OWS","AI payments","agentic payments","wallet standard","crypto payments","cross-chain","non-custodial wallet","AI 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正在變成一筆差勁的長…","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1778386236909-ytls.png","2026-05-10T04:10:21.784208+00:00",{"id":86,"slug":87,"title":88,"cover_image":89,"image_url":89,"created_at":90,"category":30},"ab3ef302-99ee-40b3-b2d0-4b67a9049ec4","yakovenko-warns-ai-could-crack-pqc-wallets-zh","Yakovenko 警告：AI 可能破解 PQC 錢包","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1778170266863-wnnh.png","2026-05-07T16:10:41.097774+00:00",[92,93,98,103,108,113,118,123,128,133],{"id":4,"slug":29,"title":5,"created_at":25},{"id":94,"slug":95,"title":96,"created_at":97},"e72bae29-ddbd-437b-aaa4-cd662605394b","next-gen-crypto-simulators-ai-web3-training-zh","新一代加密模擬器更聰明了","2026-04-01T09:36:33.917023+00:00",{"id":99,"slug":100,"title":101,"created_at":102},"b8e39b58-6b9d-4714-92d3-26df18a3e0f4","rtk-cuts-claude-code-token-spend-zh","RTK 讓 Claude Code 少燒 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是什麼，為何重要","2026-04-02T06:15:32.580114+00:00",{"id":129,"slug":130,"title":131,"created_at":132},"f29e65ae-64df-463b-ba22-afd9dcbd0f8f","trust-wallet-agent-kit-ai-trade-25-chains-zh","Trust Wallet 讓 AI 幫你交易","2026-04-02T06:27:33.183404+00:00",{"id":134,"slug":135,"title":136,"created_at":137},"91022b4c-b53e-4c18-abfe-914a8eca6e28","blockchain-in-ai-real-use-cases-zh","區塊鏈加 AI，真實落地在哪裡","2026-04-02T06:30:44.026286+00:00"]