How it works
See what happens between your message and the money arriving.
When you ask for a payment, four things happen.
- You ask. The chat reads your message and works out the amount, the chain and the receiver.
- The rules check. Your limits decide if it can run now, needs your OK, or is blocked. The AI cannot change these rules.
- A route is found. If the money and the receiver are on the same chain, it sends directly. If not, it uses NEAR Intents (1Click) to swap and deliver across chains.
- It is followed to the end. The agent watches the payment and tells you when it lands or if it fails.
Same chain or cross chain
| Same chain | Cross chain | |
|---|---|---|
| Example | NEAR to NEAR | SOL to ETH |
| Route | Direct transfer. | Swap through 1Click. |
| Extra fees | Network fee only. | Swap fee and network fee. |
Who holds the money
- In the agent wallet, the money sits in a NEAR account made for you. See Agent wallet.
- In the pay window, the money moves from your own wallet. MooPay never holds it.
Where the AI fits
The AI reads your words and picks a tool, like "send money". It does not hold keys and cannot skip the rules. The rules are plain code on the server. See Policy rules.
Next step
See Architecture if you want the technical picture.
Need help? support@moopay.cash