$1B raised. $10B valuation. 14 employees. Instinct’s latest round is a remarkable bet on personal AI agents becoming part of everyday life. Its agents can already coordinate with other users’ agents to make plans. That raises an interesting question: how much of the economy will eventually run through software acting on our behalf? A research agent buying access to data. A personal agent booking a trip within a budget. A business agent paying for the services it needs to finish a task. Each needs a way to access money, permission to use it, and clear boundaries around that permission. This is the infrastructure we’re building at @moonpay. MoonPay Agents gives agents access to non-custodial wallets, fiat funding, swaps and transfers. Support for x402 lets them pay compatible services programmatically. @PayBox brings wallet access into conversations with Claude and ChatGPT. Users decide which credentials an agent can use, set spending limits and approval rules, and revoke access. Wallet private keys stay outside the agent. The critical detail is that those limits are enforced by the infrastructure. They don’t depend on an agent remembering an instruction in its prompt. I think this becomes increasingly important as we delegate larger budgets and more consequential work to software. The next generation of financial infrastructure will need to understand both what a person owns and what their agents are authorized to do with it.