EU AI Act Article 12 enforcement begins Aug 2, 2026 · — days left Get audit-ready →
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Read once, deploy in 15 minutes.

The fastest path: install the SDK, sign your first agent action, mount FiscalGate. Everything below is concept-level reference. The live source-of-truth is the brain knowledge graph at brain.mnemopay.com — 971 pages, MCP-queryable.

How it works in 60 seconds

01

Sign up

Grab a free sandbox key at /start — no card — or go live on real rails with Starter / Pro.

02

Get credentials

You receive an MNEMOPAY_API_KEY plus an X-MnemoPay-Agent tenant id. The agent id scopes every call to your own wallet, ledger, and memory.

03

Make a metered call

Charge, settle, remember, recall — each action returns a signed receipt on the audit chain. That receipt is what regulated buyers verify.

Your first call — paste your key + agent id:

# 1. Install
npm install @mnemopay/sdk

# 2. Charge 49¢ on your tenant (curl)
curl -sX POST https://mnemopay-mcp.fly.dev/api/charge \
  -H "x-api-key: $MNEMOPAY_API_KEY" \
  -H "X-MnemoPay-Agent: tnt_free_xxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{"amount":0.49,"reason":"first charge"}'
// Or with the SDK — the agentId becomes the X-MnemoPay-Agent header
import { MnemoPayClient } from "@mnemopay/sdk/client";
const mp = new MnemoPayClient("https://mnemopay-mcp.fly.dev", process.env.MNEMOPAY_API_KEY, {
  agentId: "tnt_free_xxxxxxxxxx",
});
const tx = await mp.charge(0.49, "first charge");
await mp.settle(tx.txId); // signed receipt on the audit chain
Get your key →

Live knowledge graph: brain.mnemopay.com

Every concept below is also a node in the brain. Query it from your own agent via the MCP server bundled in @mnemopay/sdk, or hit brain.mnemopay.com directly. 971 pages, 1780 edges, 16 skills.

Core primitives

Identity

Ed25519 keypairs. Every agent action is signed; every receipt verifiable offline. The identity itself is portable across platforms.

SDK reference →

Recall (memory)

Persistent agent memory with cosine-similarity retrieval. Local first, hosted optional. Deterministic embeddings so re-runs are reproducible.

SDK reference →

Anchor (ledger)

Merkle-chained event ledger. Every memory write, payment, refusal hashes into a chain anchored to Ethereum or Bitcoin on a configurable cadence.

SDK reference →

FiscalGate

Pre-call budget enforcement. Funds reserved at charter creation, drawn down per allowed transaction. Refusals are signed and audited.

SDK reference →

Charter

The agent employment contract. What it can spend, on what, for whom, for how long. Replaces ad-hoc policy plumbing across agent teams.

SDK reference →

Article 12 Audit

EU AI Act-compliant audit bundles. Every event, every refusal, every memory write. Replayable, verifiable, regulator-friendly.

SDK reference →

Agent Reputation Score

Agent reputation, 300-850. Payment history (35%) + credit utilization (20%) + history length (15%) + behavior diversity (15%) + fraud record (15%). Scores agents, not humans — not FCRA-regulated, not affiliated with FICO.

Why 300-850? →

Payment Rails

Stripe · Paystack · Lightning · Stripe MPP · x402 (USDC on Base) · Google AP2. Same interface across rails — switch one config field.

SDK reference →

LLM middleware

Drop-in wrappers so you do not have to plumb memory + audit by hand. Pick the one that matches your stack:

OpenAI middleware

Wraps the OpenAI SDK. Memory pulled into prompts automatically, audit written per call.

SDK →

Anthropic middleware

Same contract for the Anthropic SDK. Works with claude-opus-4-7, claude-sonnet-4-6, claude-haiku-4-5.

SDK →

Gemini middleware (v1.11.0)

Shipped recently. Unlocks Build-with-Gemini XPRIZE eligibility while keeping your audit trail consistent.

SDK →

Cohere middleware

Same memory + audit contract for the Cohere SDK. @mnemopay/sdk/middleware/cohere.

SDK →

Mistral middleware

Same memory + audit contract for the Mistral SDK. @mnemopay/sdk/middleware/mistral.

SDK →

LangGraph integration

LangGraph-native node + state contract. Drop into existing graphs without rewriting nodes.

SDK →

Going beyond self-hosted

Hosted Gateway

Managed rails + hosted credit-score storage. api.mcp.mnemopay.com. Free for individuals, $49/mo Pro, custom Enterprise.

Pricing →

MCP Server (Hosted)

95-tool MCP server at api.mcp.mnemopay.com (14 essentials exposed by default; opt into more with tool groups). Connect Claude Desktop, Cursor, Continue, or any MCP client without running the SDK locally.

Health check →

Brain (knowledge graph)

971 pages, 1780 edges. Every concept linked. MCP-queryable via the SDK or directly.

Visit brain →