MetaMask AI Agent (MM AI Agent) is a wallet-native payment terminal powered by an AI payment agent, enabling businesses to accept crypto payments directly from user wallets such as MetaMask.
Unlike traditional payment gateways, MM AI Agents:
- Never takes custody of funds
- Does not store private keys
- Does not require customers to enter personal or card data
The MM AI Agent acts as an intelligent transaction layer that:
- Assists with payment execution
- Optimizes gas usage
- Applies automated risk checks
- Enables programmable payment logic
MM AI Agent is infrastructure — not a bank, not a custodian, and not a wallet.
How It Works (1-Minute Overview) #
MM AI Agent follows a wallet-to-wallet payment flow:
Customer initiates payment
- User clicks “Pay with Crypto” on your app or website
- MetaMask (or compatible wallet) opens automatically
AI Agent validates the transaction
- Confirms payment intent
- Applies risk scoring
- Optimizes gas and routing
Wallet signs the transaction
- User approves directly inside their wallet
- No redirections or third-party checkout pages
On-chain settlement
- Payment settles directly on the blockchain
- Funds go straight to the merchant wallet
Instant confirmation
- Transaction hash returned
- Payment status updated in real time
Key Features & Benefits #
🔐 Non-Custodial by Design #
MM AI Agent never holds:
- User funds
- Merchant funds
- Private keys
All payments are executed directly on-chain.
🤖 AI-Assisted Payments #
The built-in AI agent enables:
- Autonomous risk scoring
- Failed transaction prevention
- Smart retry logic
- Gas optimization
No personal data is collected or stored.
⚡ Instant Settlement #
- No banks
- No clearing delays
- No chargebacks
Payments finalize as soon as the blockchain confirms the transaction.
📉 Low, Volume-Based Fees #
- Transparent pricing
- Fees decrease as transaction volume grows
- No hidden charges or surprise costs
🔌 API-First Architecture #
MM AI Agent integrates easily into:
- Web apps
- SaaS platforms
- Marketplaces
- Web3 products
Designed for developers and businesses that need flexibility.
🌍 Global Payments #
Accept payments from anywhere in the world without:
- FX fees
- Bank restrictions
- Geographic limitations
Supported Chains & Tokens #
MM AI Agent supports EVM-compatible blockchains.
Supported Chains #
- Ethereum (Mainnet)
- Bitcoin
- Solana
- Tron
- Linea
- Polygon
- Arbitrum
- Optimism
- Base
- Sei
- Avalanche
- BNB Chain
- Tether USD
- USD Coin
- mUSD
Additional chains may be enabled based on demand.
Supported Tokens #
- ETH
- BTC
- SOL
- TRX
- LINEA
- BASE
- BNB
- SEI
- POL
- OP
- ARB
- AVAX
- USDC
- USDT
- mUSD
Custom tokens or Chain-native gas tokens can be supported upon request only (Upgrade).
System Requirements #
For Merchants / Developers #
- A Web3-enabled application or website
- A merchant wallet (MetaMask or compatible)
- Basic understanding of wallet transactions
- HTTPS-enabled environment
For End Users #
- MetaMask (or compatible wallet)
- Supported browser (Chrome, Firefox, Brave)
- Sufficient balance for AI Agent tokens payment + gas fees
No account creation required.
