MM AI Agent is an AI-powered payment terminal designed for merchants to accept cryptocurrency payments directly from MetaMask and compatible wallets. The system operates as a wallet-native solution that enables on-chain transactions with full user control and privacy protection.

The platform features smart routing for optimal gas fees, fraud pattern detection, and automated compliance checks. It supports multiple cryptocurrencies including Bitcoin, Ethereum, Solana, Tron, and various stablecoins like USDT and USDC. The system provides wallet-native payment gateways with AI-assisted flows for fast, frictionless transactions.

The AI operates as a decision-support and automation layer that analyzes risk, optimizes transactions, and assists with execution logic while always requiring wallet authorization. The architecture is zero-knowledge compatible, meaning verification can occur without revealing transaction details, identities, or behavioral data.

Benefits include 98% reduction in payment fraud, 47% lower transaction costs, instant settlements versus traditional 3-5 day processing, and zero chargeback liability. The system offers full control over funds and data with no mandatory KYC transactions and self-custody through MetaMask.

The product targets merchants processing crypto payments, particularly those in Web3 commerce, SaaS, marketplaces, and global businesses. It integrates with MetaMask wallets and supports various blockchain networks including Ethereum, Bitcoin, Solana, Tron, Linea, Base, BNB Chain, Sei, Polygon, Optimism, Arbitrum, and Avalanche.