Morpho introduces Morpho Agents to bring AI agents into DeFi lending

Morpho has launched Morpho Agents in beta, introducing a machine-readable interface designed to let AI agents interact directly with its lending infrastructure.

The release includes a User Agent that gives AI systems read, simulate, and write access to Morpho across Ethereum and Base, and a Builder Agent that packages protocol knowledge, code examples, edge cases, and recovery patterns for coding agents building Morpho integrations.

The move reflects a broader shift in crypto infrastructure toward software built for autonomous agents rather than just human users. Morpho said more than 130,000 AI agents have registered onchain identities since January.

Morpho had already started adapting its stack for this shift. On March 18, the protocol published LLM friendly documentation endpoints such as llms.txt and llms all.txt to help AI systems parse its docs more efficiently.

The new beta goes further by adding tooling that can move from reading documentation to simulating and preparing lending transactions, which is the more important step if AI agents are to become active users of DeFi rather than passive researchers.

The launch also fits into a fast-growing race to own the wallet layer for autonomous finance. MoonPay introduced MoonPay Agents in February as a noncustodial software layer that gives AI agents access to wallets, funds, and autonomous transaction capabilities through MoonPay CLI.

It followed that, with the Open Wallet Standard in March, an open-source framework meant to let agents hold value, sign transactions, and pay for services across blockchains without exposing private keys.

Coinbase has been moving in the same direction on the developer side. Its AgentKit, launched in late 2024, was built to let AI agents interact with blockchain networks through secure wallet management and onchain tooling. In February 2026, Coinbase expanded that effort with Agentic Wallets, which gives AI agents standalone wallets on Coinbase Developer Platform infrastructure so they can hold USDC, send payments, and trade tokens on Base without handling private keys directly.