MnemoPay

The trust & reputation layer for AI agents. Agent Credit Score + Behavioral Finance + Payments + Memory + Identity in one SDK.

Your agent builds a credit score, detects fraud in real time, makes psychologically sound financial decisions, and proves its memory hasn't been tampered with. All on top of persistent memory, real payment rails, and a double-entry ledger that never drifts by a penny.

npm install @mnemopay/sdk

import MnemoPay, { AgentCreditScore, BehavioralEngine, MerkleTree } from "@mnemopay/sdk";

const agent = MnemoPay.quick("my-agent");

await agent.remember("User prefers monthly billing");
const tx = await agent.charge(25, "Monthly API access");
await agent.settle(tx.id);

// Score the agent (portable agent credit score, 300-850 range)
// Not FICO-brand. Not affiliated with Fair Isaac Corporation or any consumer
// credit bureau. Scores agents (software), not humans. Not governed by FCRA.
const score = new AgentCreditScore();
const result = score.compute({ transactions: [tx], createdAt: new Date(), ...});
// → { score: 672, rating: "good", feeRate: 0.015, trustLevel: "standard" }

14 modules. Hash-chained ledger. Replay detection. Reputation streaks. 200K-operation stress tested. Apache 2.0 licensed.

Building an MCP server? Start here.

If you're shipping an MCP server and want to charge per-call — even sub-cent amounts — MnemoPay is built for you.

• Sub-cent payments via Lightning rail (impossible on Stripe/Paystack due to fees)
• Per-tool metering with agent.charge(amount, toolName) — two lines of code
• Agent Credit Score gates abusive callers automatically — 300-850 credit score, free tier + paid tier
• Cryptographic receipts every user can audit — no "trust me bro" billing
• Free indefinitely for the first 10 MCP servers that adopt it, subject to 90 days' written notice of any future change (email with your repo)

import MnemoPay from "@mnemopay/sdk";
const agent = MnemoPay.quick("my-mcp-server");

// Inside your tool handler:
const tx = await agent.charge(0.002, "embed_document");  // 0.2¢
if (tx.status === "blocked") return { error: "Payment declined" };
await agent.settle(tx.id);
// ... run the tool

Zero-config starter → production Lightning rail → Agent Credit Score gating. Same API.

What Makes MnemoPay Different

$87M has been invested across 5 competitors. None have more than 3 of these 10 features:

Agent Credit Score — Credit Score for AI Agents

A novel cross-session credit scoring system for AI agents. Five-component scoring on a 300-850 range (familiar to developers from consumer credit; MnemoPay is not affiliated with Fair Isaac Corporation or any consumer credit bureau):

import { AgentCreditScore } from "@mnemopay/sdk";

const fico = new AgentCreditScore();
const result = fico.compute({
  transactions: await agent.history(1000),
  createdAt: agentCreationDate,
  fraudFlags: 0,
  disputeCount: 0,
  disputesLost: 0,
  warnings: 0,
  budgetCap: 5000,
  memoriesCount: agent.memories.size,
});

console.log(result.score);     // 742
console.log(result.rating);    // "very_good"
console.lo

... [View full README on GitHub](https://github.com/mnemopay/mnemopay-sdk#readme)