MM AI Agent is an AI-powered payment terminal designed for Web3 commerce that enables merchants to accept cryptocurrency payments directly from MetaMask and compatible wallets. The system operates with full user control and complete privacy, settling all transactions directly on-chain without intermediaries or custodians.

The product offers wallet-native payment gateways with AI-assisted flows for fast, frictionless transactions. Key capabilities include smart routing for optimal gas fees, fraud pattern detection, automated compliance checks, and support for multiple cryptocurrencies including Ethereum, Bitcoin, Solana, Tron, and various stablecoins. The platform supports NFT payments and provides instant settlements compared to traditional 3-5 day processing times.

The system uses AI 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. All settlements are encrypted end-to-end to prevent interception or deanonymization.

Benefits include a 98% reduction in payment fraud, 47% lower transaction costs, zero chargeback liability, and no mandatory KYC requirements. The platform is designed for Web3 commerce, SaaS platforms, marketplaces, and global businesses seeking private, low-fee payment solutions with instant settlement capabilities.

The target users are merchants who value privacy as much as profit, including mid-sized businesses processing $500k–$2M/month and large enterprises processing $2M+ per month. The system integrates with MetaMask wallets and supports multiple blockchain networks including Ethereum, Bitcoin, Solana, Tron, Linea, Base, BNB Chain, Sei, Polygon, Optimism, Arbitrum, and Avalanche.