Agents need credit. Agents need memory. Agents need proof. We built all three into one SDK — the infrastructure layer every autonomous system will run on.
“The first computers to hold money will be made of code.”
Every autonomous agent is about to become an economic actor. They will earn, spend, sign, remember, and be held accountable. Nothing in today's stack knows how to let them.
Stripe was built for humans with wallets. Plaid was built for banks with regulators. Web3 was built for speculators. None of them were built for the thing about to scale: a software process that reasons, transacts, and keeps a reputation the same way a person does.
MnemoPay is built for that process. An agent opens a MnemoPay account the same way a person opens a bank account — with an identity, a memory, a credit history, and a way to pay and be paid. Cryptography underneath, so no entity in the loop has to trust another by fiat.
$87M has been poured into competitors solving fragments of this. None have more than three of the ten things an agent actually needs. We built all ten, in one SDK, Apache-licensed, production-tested.
“One account. Five superpowers.”
A single call gives your agent the same set of tools a human gets when they open a bank account, join a platform, and start building a credit history — except faster, cheaper, and programmable.
300–850, FICO-style, computed from payment history, memory integrity, and behavioral signals. Gates abusive callers. Lowers fees as it proves itself. Fully transparent math.
Every fact the agent stores is Merkle-chained. Tampering leaves a cryptographic trace. Decay policies, recall ranking, PII redaction, all built in.
Stripe and Paystack for fiat. Lightning for amounts Stripe won't take — a 0.2¢ MCP call is native, not a rounding error.
Ed25519 keypairs. Signed every action. Canary honeypots flag impersonators. Every receipt a user or auditor can verify independently.
Behavioral finance engine: loss-aversion, status-quo bias, anchoring, hyperbolic discounting. Agents stop making psychologically terrible trades because the engine flags them first.
A 300–850 score computed from payment history, repayment velocity, memory integrity, and behavioral consistency. Gates abuse. Earns trust. Lowers fees.
Double-entry, hash-chained. Every balance reconciles to a root a user can verify. Zero silent drift across 200K stress operations.
Loss aversion, anchoring, hyperbolic discounting, status-quo bias. Catches psychologically expensive decisions before the ledger does.
Three rails, one interface. Fiat for USD/NGN, Lightning for sub-cent. Auto-selects the cheapest viable route.
Remember, recall, consolidate. PII redaction on write. Decay policies by domain. Vector search built in.
Agent signs every action. Every receipt independently verifiable. Canary honeypots flag impersonation attempts in real time.
Exponentially-weighted anomaly detection. Population stability index drift. Geolocation friction. Unit-tested on adversarial fixtures.
Search, approve, checkout, track. HITL gate for over-threshold purchases. Idempotent. Replayable.
Every module surfaced as an MCP tool. Claude, GPT, Gemini, and any MCP-aware agent can call MnemoPay out of the box.
Open an account. Remember a preference. Charge a fee. Settle. Score the agent. No OAuth dance. No KYC form. No bank API. The account is the agent.
import MnemoPay, { AgentCreditScore } from "@mnemopay/sdk";
const agent = MnemoPay.quick("my-agent");
// 1. Memory, Merkle-chained
await agent.remember("User prefers monthly billing");
// 2. Charge — Lightning picks the cheapest rail
const tx = await agent.charge(0.002, "embed_document");
if (tx.status === "blocked") return { error: "declined" };
await agent.settle(tx.id);
// 3. Score — 300-850, FICO-style
const score = new AgentCreditScore().compute({ agent });
// → { score: 672, rating: "good", feeRate: 0.015 }“When your agent has a body.”
MnemoPay proves an agent's memory. GridStamp proves its location. Cryptographic spatial receipts for drones, robots, AGVs, and anything else that has to prove it was at that place, at that time, doing that thing.
import GridStamp from "gridstamp";
const stamp = new GridStamp({
agentId: "drone-042",
rails: ["gps", "imu", "vslam"]
});
const proof = await stamp.capture({
lat: 32.7767, lng: -96.7970,
event: "delivery_complete"
});
// → { id, sig, root, verified: true }The SDK is Apache-licensed and free forever. You pay when you plug in to managed rails, hosted score storage, or enterprise SLAs. Lightning transactions settle at network fee — we take nothing on top.
We don't replace Stripe. We built what Stripe can't.
Stripe won't take sub-cent charges, won't sign receipts to an agent keypair, won't give your agent a credit score, and won't store memory. It's a human-first payments processor. Agents need a superset, and a different default.
No. MnemoPay uses traditional rails (Stripe, Paystack) plus Lightning for sub-cent. The cryptography is Ed25519 + Merkle — the same primitives underwriting TLS and git. No token, no chain, no speculation.
Gating abusive callers on MCP servers, lowering rail fees as the agent proves itself, discovering reputable counterparties in multi-agent transactions, and giving auditors a single trust number instead of a thousand logs.
Early-adopter MCP servers and agent frameworks (see our GitHub). The first ten production MCP servers that integrate get the managed tier free indefinitely, subject to 90 days' written notice.
$87M has been invested in competitors each solving a fragment (memory, or payments, or identity). MnemoPay is the only stack with all five — credit, memory, rails, identity, behavior — in one SDK, production-tested across 672 unit tests and 200K-operation stress runs.
Give your agent a credit history, a memory that can't be rewritten, and a way to pay for itself. Two lines of code. One SDK.