ChainATM vs PayBox
How does ChainATM compare to other AI crypto agents? Here's an honest side-by-side.
What PayBox is
PayBox is MoonPay's non-custodial payment vault, launched in July 2026. It connects an existing AI assistant — Claude, ChatGPT and others — to a wallet and card credentials, so the assistant can prepare swaps, bridges, stablecoin transfers and merchant payments from a prompt. Keys are split with threshold cryptography and held in secure enclaves, and every action runs inside passkey-approved spending limits the user sets.
Both are conversational and both include a fiat on-ramp, so the usual framing does not separate them. The real difference is where the product lives. PayBox is a control plane: it grants an assistant you already use scoped authority to spend, and its value is in the permission model. ChainATM is the assistant — the AI, the wallet, the on-ramp and the voice interface are one app, and there is no host to depend on or agent framework to configure.
Common questions
Is PayBox or ChainATM better for buying and sending crypto?
It depends on which part you do most. Pick PayBox if what your use case turns on is what it is strongest at: Works inside AI assistants people already use, rather than asking them to adopt a new app; Non-custodial by design: no single party can reconstruct a key or sign alone. ChainATM is the better choice if you want to buy, swap and send from one conversation instead of three separate flows. ChainATM adds no fee or markup of its own. Network, provider and bridge costs still apply. Some are built into the quoted amount rather than listed separately, so check what you pay and what you receive before you confirm. ChainATM does not operate an omnibus customer wallet or hold crypto on its own balance sheet. The default embedded wallet is provided by Privy. After you confirm a supported action, execution may use ChainATM's authenticated backend and Privy's wallet infrastructure, or request approval from a connected external wallet, depending on the route. A card or bank purchase is processed by the third-party provider shown in the app.
What does PayBox cost compared to ChainATM?
PayBox: Not published at launch. ChainATM: each message you send to the AI in chat uses 1 credit (from about EUR 0.08 per credit with the 500-credit pack), and a buy, swap or send itself uses no credits. ChainATM adds no fee or markup of its own. Network, provider and bridge costs still apply. Some are built into the quoted amount rather than listed separately, so check what you pay and what you receive before you confirm.
Can I use PayBox and ChainATM together?
Yes. ChainATM is self-custody and does not require you to move away from PayBox. Many people keep PayBox and use ChainATM for the parts that are awkward elsewhere: cross-chain swaps in a single command.
Does ChainATM hold my crypto like PayBox does?
No. Neither product holds your crypto: PayBox and ChainATM are both self-custody. The difference is the interface, not the custody model. ChainATM is driven by plain-language text or voice rather than by forms, and we never have access to your keys in usable form.
Is ChainATM available in my country?
Availability depends on our on-ramp partners' supported regions. ChainATM is built by Noctra Labs UG (haftungsbeschränkt) in Trier, Germany, registered at Amtsgericht Wittlich under HRB 48033. Card or bank purchases run through a third-party provider shown in the app; payment methods depend on that provider and your region.
Feature Comparison
| ChainATM | PayBox | |
|---|---|---|
| Approach | AI-powered text and voice commands | Runs inside an existing AI assistant (Claude, ChatGPT); no app of its own |
| Fees', chainatm: '1 credit per message to the AI (from about €0.08/credit with the 500-credit pack); buys, swaps and sends use no credits. ChainATM adds no fee or markup of its own. Network, provider and bridge costs still apply. Some are built into the quoted amount rather than listed separately, so check what you pay and what you receive before you confirm. | Not published at launch | |
| AI Assistant | Yes. Natural language understanding. | Yes |
| Voice Commands | Yes, iOS app with voice control | No |
| Custody | Self-custody. Your keys, always. Biometric security. | Non-custodial. Keys split via MPC across secure enclaves; agents never hold a full key |
| Swap & Send | Yes, buy, swap, and send in one chat interface | Yes, swaps, bridges, transfers and merchant payments |
| Cross-Chain | Yes, automatic routing via LI.FI across 9 chains | Yes, swaps and bridges across Solana and EVM chains |
| Fiat Onramp | Yes, credit card, Apple Pay, bank transfer (via Coinbase) | Yes, cards and MoonPay onramp built in |
| Account Required | Email or social login, 30 seconds | MoonPay account plus a passkey |
What PayBox Does Well
PayBox Strengths
- Works inside AI assistants people already use, rather than asking them to adopt a new app
- Non-custodial by design: no single party can reconstruct a key or sign alone
- Carries card credentials as well as crypto, so an agent can pay merchants
- Supports merchant payments through the x402 agent payment standard
- Cryptography independently audited (Trail of Bits, NCC Group), backed by MoonPay
- Scoped, revocable permissions and passkey approval on every action
PayBox Limitations
- No voice interface
- No product surface of its own — you are limited to whatever the host assistant exposes
- Pricing was not published at launch, so total cost is hard to compare
- Very new (launched July 2026), so little track record in the wild
- Aimed at agent developers and power users more than first-time crypto buyers
When PayBox is the better choice
PayBox is genuinely the better choice for some people, and it is worth being straight about where. If any of these are what your use case turns on, pick PayBox. A comparison page that cannot name the other product's advantages is not worth reading.
- Works inside AI assistants people already use, rather than asking them to adopt a new app
- Non-custodial by design: no single party can reconstruct a key or sign alone
- Carries card credentials as well as crypto, so an agent can pay merchants
- Supports merchant payments through the x402 agent payment standard
When ChainATM is the better choice
ChainATM is the better fit if you want to buy, swap or send crypto yourself by saying so, in one app, with pricing you can read up front. If what you actually want is to let an autonomous agent spend on your behalf under tight limits, PayBox is built for that and ChainATM is not.
Why Choose ChainATM Over PayBox?
A product, not a plug-in
PayBox gives an assistant you already use the ability to move money; it has no interface of its own. ChainATM is the whole product — its own iOS app, with the AI, the wallet and the onramp built as one thing.
Voice on iOS
ChainATM is the only crypto wallet with native voice commands on iOS. PayBox is text-only, because it inherits whatever interface the host assistant provides.
Published pricing
On ChainATM, each message you send to the AI in chat uses 1 credit (from about €0.08 per credit with the 500-credit pack), a buy, swap or send itself uses no credits. ChainATM adds no fee or markup of its own. Network, provider and bridge costs still apply. Some are built into the quoted amount rather than listed separately, so check what you pay and what you receive before you confirm. PayBox did not publish pricing at launch.
Built for people, not agents
PayBox is aimed at giving autonomous agents spending authority under tight limits. ChainATM is aimed at a person who wants to buy, swap or send crypto by saying so — no agent framework, no developer setup.