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.
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 Credit Score
FICO-scaled 300-850. Payment history (35%) + behavior (30%) + memory integrity (15%) + identity stability (10%) + anomaly signals (10%).
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 →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)
14-tool MCP server at api.mcp.mnemopay.com. 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 →