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
Sign up
Grab a free sandbox key at /start — no card — or go live on real rails with Starter / Pro.
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.
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 chainGet 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.
Mistral middleware
Same memory + audit contract for the Mistral SDK. @mnemopay/sdk/middleware/mistral.
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.
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.
Brain (knowledge graph)
971 pages, 1780 edges. Every concept linked. MCP-queryable via the SDK or directly.
Visit brain →