Build, scaffold, and integrate MoonPay crypto on-ramp (buy) and off-ramp (sell) payments into a website or app — the embeddable Widget (@moonpay/moonpay-js / -react / -node) and the headless Platform + Frames product (@moonpay/platform-sdk-web). Ships a generator (scripts/scaffold-moonpay.mjs) that emits a complete, runnable integration — server-side URL signing, the frontend widget, a verified webhook handler, env, and README — so you stand up a working on-ramp/off-ramp in one command, then customize. Use whenever the user wants to add, build, generate, or scaffold fiat↔crypto buy/sell, a crypto checkout or 'shopping-style' payment processor, embed a buy/sell widget, integrate MoonPay, do crypto onboarding/KYC, sign a MoonPay widget URL, verify MoonPay webhooks, or build headless/co-branded Apple Pay / Google Pay / card crypto payments — even if they only say 'MoonPay', 'on-ramp', 'off-ramp', or 'buy crypto in my app'. Also bundles tested signing + webhook scripts and source-cited references.
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SKILL.md
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name
moonpay-payments
description
Build, scaffold, and integrate MoonPay crypto on-ramp (buy) and off-ramp (sell) payments into a website or app — the embeddable Widget (@moonpay/moonpay-js / -react / -node) and the headless Platform + Frames product (@moonpay/platform-sdk-web). Ships a generator (scripts/scaffold-moonpay.mjs) that emits a complete, runnable integration — server-side URL signing, the frontend widget, a verified webhook handler, env, and README — so you stand up a working on-ramp/off-ramp in one command, then customize. Use whenever the user wants to add, build, generate, or scaffold fiat↔crypto buy/sell, a crypto checkout or 'shopping-style' payment processor, embed a buy/sell widget, integrate MoonPay, do crypto onboarding/KYC, sign a MoonPay widget URL, verify MoonPay webhooks, or build headless/co-branded Apple Pay / Google Pay / card crypto payments — even if they only say 'MoonPay', 'on-ramp', 'off-ramp', or 'buy crypto in my app'. Also bundles tested signing + webhook scripts and source-cited references.
license
MIT
compatibility
Bundled scripts need Node 18+ (sign-url.js / verify-webhook.js) and/or Python 3.8+ stdlib (sign_url.py / verify_webhook.py), plus bash + curl for preflight. Integrations target any web/mobile stack (vanilla JS, React, React Native, iOS, Android, server-side Node/PHP/Python/Ruby). A MoonPay partner account and API keys are required — get them at https://dashboard.moonpay.com/developers.
inputs
[{"name":"MOONPAY_PUBLISHABLE_KEY","description":"Publishable key (pk_test_… sandbox / pk_live_… production). Safe in the browser; identifies your account on the widget URL and client API calls.","required":false},{"name":"MOONPAY_SECRET_KEY","description":"Secret key (sk_test_… / sk_live_…). SERVER-ONLY — signs widget URLs and authenticates server APIs. Never ship it to the client or commit it.","required":false},{"name":"MOONPAY_WEBHOOK_KEY","description":"Webhook signing key from dashboard → Developers. Used ONLY to verify Moonpay-Signature-V2 on inbound webhooks. Distinct from the secret key.","required":false}]
Add fiat↔crypto payments to a site or app: let customers buy crypto with a
card / Apple Pay / Google Pay / bank transfer (on-ramp) and sell crypto back
to fiat (off-ramp). MoonPay handles KYC, compliance, fraud, payments, and
payouts; you embed the UI and react to transaction events.
MoonPay ships two distinct products — pick one deliberately, because their
SDKs, hosts, auth headers, and mental models differ:
Widget (/widget/* docs)
Platform + Frames (/platform/* docs)
What
Hosted, drop-in buy/sell/swap UI you embed or open
Headless / co-branded payments you build into your own UX
You control
Pre-fill + theming; MoonPay owns the screens
The whole purchase UX; MoonPay owns compliance/risk only
frames at blocks.moonpay.com, API at api.moonpay.com/platform/v1
Best for
Fastest "buy crypto" button, a checkout-style flow, minimal code
Bespoke, fully-branded, headless Apple/Google/card pay, deep onboarding
Default recommendation: for "a seamless shopping-style payment processor"
where you want speed and don't need to own every pixel, start with the Widget
on-ramp (@moonpay/moonpay-js). Reach for Platform + Frames when you must
render your own buy screen, do headless Apple/Google Pay, or co-brand the
onboarding. The two are not mixed within a single flow.
→ Decision still unclear? Read (Widget) and
(Platform) intros, then choose.
references/widget-onramp.md
references/platform-frames.md
Facts that prevent broken work
Fact
Consequence
Three key types: pk_… publishable (browser-safe), sk_… secret (server-only), and a separate webhook key
Signing with pk_, verifying webhooks with sk_, or leaking sk_ to the client are the most common failures
Environment is the key prefix, not a different URL: *_test_*→sandbox, *_live_*→production
A live key on a "sandbox-looking" buy.moonpay.com URL charges real money; test data silently fails on a live key
Widget URL signing = base64(HMAC-SHA256(secretKey, new URL(url).search)), appended as &signature=
Required whenever walletAddress/walletAddresses/email are present; sign server-side — use scripts/sign-url.js
Widget server API auth: Authorization: Api-Key sk_…header (or apiKey=pk_… query for public reads)
It is notBearer and notX-Api-Key. Copying a Platform call here returns 401
Platform API auth: X-Api-Key: sk_… (server) then Authorization: Bearer <accessToken> (client)
Different product, different headers — see the table above
Webhooks: verify the Moonpay-Signature-V2 header (t=…,s=…) as HMAC-SHA256(webhookKey, "t.rawBody")
Verify against the raw body, with the webhook key — use scripts/verify-webhook.js. Events can duplicate / arrive out of order → de-dupe
Off-ramp (sell): your app sends the crypto to MoonPay's deposit address, then returns { depositId }
Deposit must land within 48h or the sell fails with "Deposit timeout". This is the step integrators miss
Apple Pay / Google Pay are not supported in the Widget overlay variant
Use embedded/newTab, or the Platform setupApplePay/setupGooglePay frames
Embedding needs both domain allowlisting (dashboard → Developers) and a page CSP allowing https://*.moonpay.com/ (frame-src, connect-src)
Missing either → frames silently refuse to load with a frame-ancestors CSP error
The quote signature (Platform) is an opaque string
Never JSON.parse it — pass it verbatim to setupBuy/setupWidget
Preflight
Run once to confirm tooling + keys before writing code:
bash scripts/moonpay-preflight.sh # local checks
bash scripts/moonpay-preflight.sh --probe # also pings the widget API
It checks node/python/curl, finds MOONPAY_* keys, validates prefixes, and
flags the classic mistakes (mixed test/live keys, a secret key in a
frontend-exposed var). It validates key format, not validity — a 401 on the
first real call is what proves a key is live and enabled.
Build an integration in one command (scaffold)
The fastest way to stand up a working on-ramp/off-ramp is to generate it,
then customize. scripts/scaffold-moonpay.mjs writes a complete, runnable
project — server-side signing, the frontend widget, a verified webhook handler,
an .env template, and a README — with the HMAC signing + webhook verification
inlined (the generated project has no dependency on this skill).
Flags: --product widget|platform, --flow buy|sell|both (widget),
--frontend vanilla|react, --out DIR, --force, --dry-run. It refuses to
overwrite without --force. After generating: cd <dir>, npm install the
printed deps, cp .env.example .env, fill in sandbox keys, node server/server.js.
Then customize the emitted code using the references below — the scaffold is
a correct starting skeleton, not a black box. Tailor the params, theming, order
fulfillment, and (for sell) the on-chain deposit step to your app.
Quick start — Widget on-ramp (understand the moving parts)
If you'd rather wire it by hand (or need to graft MoonPay into an existing app),
here's the shortest path to "buy crypto" on a website: a server endpoint that
signs the URL with your secret key, the SDK on the frontend, and a webhook that
marks the order paid. Sandbox keys (pk_test_/sk_test_) run the whole thing
for free. (This is exactly what the scaffolder emits.)
1 — Frontend: render the buy widget (npm install @moonpay/moonpay-js)
import { loadMoonPay } from"@moonpay/moonpay-js";
const moonPay = awaitloadMoonPay();
const widget = moonPay({
flow: "buy",
environment: "sandbox", // "production" with a pk_live_ keyvariant: "overlay", // embedded | overlay | newTab | newWindowparams: {
apiKey: "pk_test_…",
baseCurrencyCode: "usd", // fiat the customer paysbaseCurrencyAmount: "100",
defaultCurrencyCode: "eth", // crypto they receivewalletAddress: "0x…", // ⇒ this makes the URL require a signatureexternalTransactionId: "order_12345", // tie it to your order
},
handlers: {
asynconTransactionCompleted(props) {
// UI hint only — treat the WEBHOOK as the source of truth for fulfillmentconsole.log("completed", props.id, props.status);
},
},
});
// Because walletAddress is set, sign before showing:const urlForSignature = widget.generateUrlForSigning();
const { signature } = awaitfetch("/api/moonpay/sign", {
method: "POST",
headers: { "Content-Type": "application/json" },
body: JSON.stringify({ urlForSignature }),
}).then((r) => r.json());
widget.updateSignature(signature); // raw signature, NOT url-encoded, for the SDK
widget.show();
2 — Server: sign the URL (secret key stays here, never reaches the browser)
// POST /api/moonpay/sign — Express handlerimport { signMoonPayUrl } from"../skills/moonpay-payments/scripts/sign-url.js";
app.post("/api/moonpay/sign", express.json(), (req, res) => {
const signature = signMoonPayUrl(req.body.urlForSignature, process.env.MOONPAY_SECRET_KEY);
res.json({ signature }); // return the raw signature to updateSignature()
});
Or from the shell: node scripts/sign-url.js "<full-widget-url>" --raw.
For a plain iframe/URL integration (no SDK), append it yourself:
node scripts/sign-url.js "<url>" prints the URL with &signature= URL-encoded.
3 — Server: confirm payment via webhook (the real source of truth)
// POST /webhooks/moonpay — capture the RAW body for signature verificationimport { verifyMoonPayWebhook } from"../skills/moonpay-payments/scripts/verify-webhook.js";
app.post("/webhooks/moonpay", express.raw({ type: "*/*" }), (req, res) => {
const ok = verifyMoonPayWebhook(
req.headers["moonpay-signature-v2"],
req.body, // raw Buffer — do NOT use parsed JSON
process.env.MOONPAY_WEBHOOK_KEY,
{ toleranceSeconds: 300 },
);
if (!ok) return res.status(400).end();
const event = JSON.parse(req.body.toString());
if (event.type === "transaction_updated" && event.data.status === "completed") {
// fulfill event.data.externalTransactionId — idempotently (events can repeat)
}
res.status(200).json({ status: "success" });
});
That is a complete on-ramp. Configure the webhook URL and allowlist your domain
at https://dashboard.moonpay.com/developers, then test with the sandbox cards in
references/going-live.md.
Where to go next
Read the reference that matches the task — each is self-contained and source-cited:
Verify Moonpay-Signature-V2, with replay-window tolerance + timing-safe compare.
scripts/moonpay-preflight.sh
Check tooling, keys, prefixes, and the mixed-env / leaked-secret mistakes.
When fetching live MoonPay docs, every page has a clean Markdown twin — append
.md to any dev.moonpay.com URL (e.g. …/widget/on-ramp/quickstart.md). The
full index is https://dev.moonpay.com/llms.txt.
