# MnemoPay > The governance layer for AI agents that handle money. Charter declares the rules, FiscalGate enforces the budget, Article 12 produces the evidence — across every payment rail. MnemoPay sits above the rail (Stripe, Paystack, Lightning, Stripe MPP, x402, Google AP2) and below the agent runtime (LangChain, CrewAI, Claude Agent SDK). Built by J&B Enterprise LLC (Dallas, TX), operating as J&B Enterprise LLC. Apache 2.0. Production-tested across 672+ unit tests and 200K-operation stress runs. ## Core thesis Every autonomous agent is becoming an economic actor — earning, spending, signing, remembering. Stripe was built for humans with wallets. Web3 was built for speculators. MnemoPay is built for the software process that reasons, transacts, and keeps a reputation the way a person does. ## What an agent gets on day one - **Agent Credit Score** — 300–850 credit-score-style scale, computed from payment history, memory integrity, and behavioral consistency. Gates abusive callers. Lowers fees as the agent proves itself. - **Tamper-evident memory** — every stored fact is Merkle-chained. Decay policies, recall ranking, PII redaction. - **Real payment rails** — Stripe and Paystack for fiat. Lightning for sub-cent amounts (0.2¢ MCP calls are native, not a rounding error). - **Cryptographic identity** — Ed25519 signed actions, auditor-verifiable receipts, canary honeypots. - **Behavioral finance engine** — loss aversion, status-quo bias, anchoring, hyperbolic discounting — flagged before the trade. - **Commerce engine** — autonomous shopping with HITL approval gates, checkout executor, HMAC-SHA256 intent signing. - **Fraud detection** — geo-aware anomaly detection, EWMA drift scoring, canary honeypots. ## Companion product: GridStamp Cryptographic proof-of-presence for autonomous robots. Six layers: spatial proof, place cells, grid cells, anti-spoofing, memory consolidation, MnemoPay settlement. Ed25519-signed location receipts for BVLOS drones, warehouse AGVs, precision-ag rigs, inspection rovers. Apache 2.0. `npm install gridstamp`. Overview: https://mnemopay.com/gridstamp ## Companion product: MnemoPay Mobile On-device agent runtime for mobile AI apps. Three modules in one SQLite-backed package: - **MemoryStore** — persistent vector memory with sqlite-vec, sub-50ms recall on 100K memories - **WalletEngine** — agent-to-agent payments, Ed25519-signed, offline-capable intent signing - **SpatialProver** — GridStamp-compatible proof-of-presence, multi-source sensor fusion Offline-first. Works under React Native, Expo, Capacitor, and Node. iOS + Android native bridges. Apache 2.0. `npm install @mnemopay/mobile-sdk`. Overview: https://mnemopay.com/mobile ## Install - Node: `npm install @mnemopay/sdk` - Python: `pip install mnemopay` - Mobile: `npm install @mnemopay/mobile-sdk` - GridStamp: `npm install gridstamp` ## Pricing - **Free** — self-hosted, unlimited dev use, full SDK - **Pro — $49/mo** — managed rails, hosted scoring, 1.9% rail fee (drops with credit score), priority support - **Enterprise — Custom** — dedicated ledger shard, custom rails, GridStamp seat, negotiated SLA + DPA. Contact: jeremiah@getbizsuite.com - **GridStamp Pro — $49/mo** — proof-of-presence companion for embodied agents (drones, robots) Buy Pro: https://buy.stripe.com/00w9AMe27c9pgT6gxtbo409 Buy GridStamp Pro: https://buy.stripe.com/fZudR24rxa1h8mA5SPbo40r Enterprise inquiry: mailto:jeremiah@getbizsuite.com?subject=MnemoPay%20Enterprise%20inquiry ## Journal Founder essays on agent economy infrastructure. - [The harness is the moat](https://mnemopay.com/blog/the-harness) — Essay. Code is free — context, guardrails, and feedback loops are the moat. A builder's read on why agent infrastructure (memory, scoring, receipts) is what actually compounds. - [Receipts beat claims](https://mnemopay.com/blog/receipts-beat-claims) — Thesis. Why every agent dispute ends with "prove it" and what changes when you can. - [Why agents need credit scores](https://mnemopay.com/blog/agent-credit-score) — Product. Consumer credit scoring wasn't built for humans, it was built for lenders. The Agent Credit Score is the same idea. - [Proof-of-presence, a primer](https://mnemopay.com/blog/proof-of-presence-primer) — Primer. When an agent has a body, GPS isn't enough. GridStamp's six layers explained. Index: https://mnemopay.com/blog ## Links - Site: https://mnemopay.com - Journal: https://mnemopay.com/blog - GridStamp: https://mnemopay.com/gridstamp - GitHub (SDK): https://github.com/mnemopay/mnemopay-sdk - GitHub (GridStamp): https://github.com/mnemopay/gridstamp - npm (SDK): https://www.npmjs.com/package/@mnemopay/sdk - npm (GridStamp): https://www.npmjs.com/package/gridstamp - PyPI: https://pypi.org/project/mnemopay/ - Contact: jeremiah@getbizsuite.com ## How MnemoPay differs from the field $87M+ has been invested in competitors each solving a fragment: memory (Mem0, $24M), payments-only (Skyfire, Payman), agent infra wrappers (Kite). None have credit scoring, none have cryptographic memory integrity, none have sub-cent rails, none have the full stack of credit + memory + rails + identity + behavior in one SDK. MnemoPay does. No tokens. No chains. Ed25519 and Merkle — the same primitives behind TLS and git. ## Pages - [MnemoPay Browser - controlled actions with verifiable receipts](https://mnemopay.com/browser.html) — MnemoPay Browser turns governed web actions and verified operator inspection into signed evidence, with external receipt anchoring and a paid onboarding path. - [MnemoPay for Compliance Teams — EU AI Act Article 12 audit bundles, ISO 42001, agent governance](https://mnemopay.com/compliance.html) — MnemoPay produces tamper-evident audit bundles for every agent action — payments, memory writes, tool calls, refusals, approvals. EU AI Act Article 12 ready since launch. ISO 42001 alignment in progress. SOC 2 Type II in progress. For Chief AI Officers, GRC leads, and compliance teams shipping autonomous agents. - [Console — MnemoPay](https://mnemopay.com/console.html) — The MnemoPay Console — pending approvals, live audit chain, agent budgets, charter editor, Article 12 bundle export. Web dashboard for the governance layer. - [Developers · MnemoPay — Trust OS for AI agents](https://mnemopay.com/developers.html) — Start building with MnemoPay. npm + PyPI install, MCP server, 14 modules, 6 payment rails, agent credit score, Article 12 audit bundles. Apache-2.0. Free forever for builders. - [Docs · MnemoPay](https://mnemopay.com/docs.html) — MnemoPay docs — Article 12 audit, agent credit score, FiscalGate, recall, payment rails. Hosted knowledge graph at brain.mnemopay.com. - [GridStamp — Cryptographic proof-of-presence for robots](https://mnemopay.com/gridstamp.html) — Six-layer spatial SDK for autonomous systems. Tamper-proof location receipts for drones, delivery robots, warehouse AGVs, and precision-ag rigs. Ed25519 signatures. Anti-spoofing. FAA BVLOS-ready. npm install gridstamp. - [MnemoPay Mobile — On-device memory, payments, and proofs for AI apps](https://mnemopay.com/mobile.html) — @mnemopay/mobile-sdk: on-device persistent memory, agent-to-agent payments, and cryptographic spatial proofs for mobile AI apps. SQLite + sqlite-vec. Offline-first. Apache 2.0. - [MnemoPay Playground — watch agent identity, AP2, and Article 12 work in 30 seconds](https://mnemopay.com/playground.html) — Stranger-friendly live demo: mint a did:mp agent identity, sign an AP2 verifiable credential, run a FiscalGate-checked $5 charge, watch the Article 12 audit chain grow, then verify the bundle in your own browser. Ed25519 client-side. No signup. - [Pricing — MnemoPay](https://mnemopay.com/pricing.html) — MnemoPay pricing. Free SDK forever (Apache 2.0). Pro $49/mo for managed rails + hosted scoring. Growth $200/mo for scale teams. Enterprise priced on volume + SLA. GridStamp Pro $49/mo for proof-of-presence. - [SDK · MnemoPay](https://mnemopay.com/sdk.html) — @mnemopay/sdk — TypeScript SDK for AI agent trust, payments, memory, and governance. npm i @mnemopay/sdk. Apache-2.0. v1.12.1 latest. - [@mnemopay/toolkit — the capability layer for agents that handle money](https://mnemopay.com/toolkit.html) — MnemoPay agent toolkit — runtime, specialist agents, browser, computer-control, vision, voice, scrape, knowledge, tools. The capability layer that pairs with @mnemopay/sdk - [Trust · MnemoPay — verification trail for agent payment infrastructure](https://mnemopay.com/trust.html) — MnemoPay trust hub: archived public history, Google Safe Browsing status, open-source SDK, entity details, payment infrastructure, and the current Scamadviser/IPQS dispute trail. ## Journal - [300 robots ran a half-marathon this morning. who signed the notary? — MnemoPay Journal](https://mnemopay.com/blog/300-robots-ran-a-marathon.html) — Beijing - [Why agents need credit scores — MnemoPay Journal](https://mnemopay.com/blog/agent-credit-score.html) — Consumer credit scores weren - [Agent FICO Score: How AI Agents Get Credit in 2026 — MnemoPay Journal](https://mnemopay.com/blog/agent-fico-score-how-ai-agents-get-credit.html) — The Agent FICO Score is a 300-850 reputation number derived from signed receipts, not a survey. Here is how an autonomous AI agent earns credit, and why 2026 is the year it starts to matter. - [We built a 971-page personal brain on MnemoPay's recall primitive — here's what shipped — MnemoPay Journal](https://mnemopay.com/blog/brain-case-study.html) — A 971-page personal brain built on @mnemopay/sdk/recall. Markdown source of record + sqlite index + local 384-dim embeddings. The case study for the recall primitive. - [DeepMind mapped the traps. We've been building the exits. — MnemoPay Journal](https://mnemopay.com/blog/deepmind-agent-traps.html) — Google DeepMind - [The Journal — MnemoPay](https://mnemopay.com/blog/) — Essays on agent credit, proof-of-presence, and the infrastructure that lets autonomous systems become economic actors. Written by the team building MnemoPay + GridStamp. - [Why MCP Servers Need Native Trust (And What's Coming Next) — MnemoPay Journal](https://mnemopay.com/blog/mcp-servers-native-trust.html) — The MCP server ecosystem is growing faster than the trust layer around it. Here is what native trust means, why directories alone are not enough, and what an honest MCP listing looks like in 2026. - [MnemoPay vs Coinbase Payments MCP vs x402: 2026 Agent Payments Comparison — MnemoPay Journal](https://mnemopay.com/blog/mnemopay-vs-coinbase-mcp-vs-x402.html) — A fair, honest comparison of three pieces of the 2026 agent payments stack. Coinbase MCP is an onchain wallet primitive. x402 is an HTTP protocol. MnemoPay is the identity, memory, and audit layer above the rails. - [The portable trust layer — MnemoPay Journal](https://mnemopay.com/blog/portable-trust-layer.html) — Stripe owns Stripe. Visa owns Visa. Mastercard owns Mastercard. AP2 owns the mandate. x402 owns the wire. Each of them wants to own your agent. The portable trust layer says: the agent should own itself. - [Proof-of-presence, a primer — MnemoPay Journal](https://mnemopay.com/blog/proof-of-presence-primer.html) — When an agent has a body, GPS isn - [Receipts beat claims — MnemoPay Journal](https://mnemopay.com/blog/receipts-beat-claims.html) — Every agent dispute ends in the same question: can you prove it happened? Why the next decade of autonomous infrastructure is a receipts business. - [The harness is the moat — MnemoPay Journal](https://mnemopay.com/blog/the-harness.html) — Code is free. Context, guardrails, and feedback loops are the moat. A builder - [The Walmart 1/3 number is a receipts problem — MnemoPay](https://mnemopay.com/blog/walmart-receipts-problem.html) — Walmart killed OpenAI Instant Checkout because in-chat purchases converted at one-third the rate of click-out to walmart.com. The fix wasn ## Legal & Support - [404 — MnemoPay](https://mnemopay.com/404.html) — That page isn - [Privacy Policy — MnemoPay](https://mnemopay.com/privacy.html) — MnemoPay privacy policy. What we collect, how it - [Support — MnemoPay](https://mnemopay.com/support.html) — MnemoPay support. Direct email, docs, status, and how to get help fast. - [Terms of Service — MnemoPay](https://mnemopay.com/terms.html) — MnemoPay terms of service. Fair, plain-English, developer-friendly. - [Thanks — MnemoPay](https://mnemopay.com/thanks.html) — Subscription confirmed. Welcome aboard.