# MnemoPay

> The trust layer for autonomous agents. Agent Credit Score, behavioral finance, payments, memory, and cryptographic identity in one SDK.

MnemoPay is the infrastructure layer for AI agents that handle money. Built by J&B Enterprise LLC (Dallas, TX), led by founder Jerry Omiagbo. 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, FICO-style, 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
- **Pro — $49/mo** — managed hosting, verified receipts, priority support
- **Enterprise — $299/mo** — SLA, audit export, custom rails

Buy Pro: https://buy.stripe.com/00w9AMe27c9pgT6gxtbo409
Buy Enterprise: https://buy.stripe.com/9B63co8HNehxcCQ5SPbo40a

## 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-fico) — Product. FICO wasn't built for humans, it was built for lenders. 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.