MnemoPay gives agents identity, memory, browser and tool access, payment rails, budgets, permissions, and signed audit trails — before they act in the real world.
Six primitives, one runtime, one signed audit chain. Every action passes through them in order — no exceptions, no escape hatch.
Every agent gets a keypair. Every action is signed. Every receipt is independently verifiable. Canary honeypots flag impersonation in real time.
Every fact the agent stores is Merkle-chained. Tampering leaves a cryptographic trace. Decay policies, recall ranking, PII redaction, all built in.
Stripe, Paystack, Lightning — plus Stripe MPP, x402 (USDC on Base), and Google AP2, all stable in v1.6.0. Same agent, same score, same audit chain across every rail.
Capability layer the agent uses to do things — runtime, browser via CDP, computer-control, vision, voice, scrape, knowledge. Charter-bound, FiscalGate-aware, audit-logged.
Reserve the budget on charter start. Every priced action routes through hold → settle. Over-budget halts. Errors release. Agents never spend what they didn't declare.
Merkle-rooted, signed. Every tool call, payment, memory write, refusal. Mission · events · CSV · chain · manifest with checksums. Export-ready for any regulator.
“Mission → authority check → tools → proof.”
The same six steps run for every priced action your agent takes — deterministic, replayable, and signed end-to-end.
A goal arrives — from a user, a queue, an upstream agent. The runtime accepts it and instantiates a session.
YAML / JSON declares the rules: goal, budget cap, allowed tools, allowed counterparties, approval thresholds, retention.
The budget is reserved on charter start. Every priced action hits hold → settle. Over-budget halts. Errors release.
Cheapest viable rail is selected automatically — Stripe, Paystack, Lightning, MPP, x402, AP2 — against the agent's score.
Ed25519-signed receipt is produced and chained into the agent's Merkle log. The counterparty can verify independently.
Article 12 bundle is appendable on demand: mission · events · CSV · chain · manifest with checksums. Regulator-shaped.
Every run is replayable. Same charter, same inputs, same chain root.
No tool call escapes Charter + FiscalGate. The runtime refuses what the charter doesn't allow.
One identity, one score, one chain — across every rail the agent ever touches.
Stripe moves money.
MnemoPay governs how money, agents, and
business workflows move across rails.
The SDK is Apache-licensed and free forever. You pay when you plug in to managed rails, hosted score storage, or enterprise SLAs. Lightning settles at network fee — we take nothing on top.
Give every agent identity, memory, budgets, tool access, and signed evidence — in two lines of code. One SDK. Apache 2.0.