mnemopay.com valid
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.
- Authority
- 46 reach 0 · trust 6 · quality 25 · freshness 15
- Tier
- listed
- llms.txt
- https://mnemopay.com/llms.txt
- llms-full.txt
- https://mnemopay.com/llms-full.txt
- Sections
- 13
- Links
- 37
- Size
- 14207 bytes
- Registered
- 2026-04-18
- Country
- United States Hosting inference
- Hosting country
- United States Hosting inference
- Country evidence
- No published address evidence collected yet
- Categories
- AI and machine learning
- For agents
- Documentation: developer or product docs worth reading, nothing to call
- First seen
- 2026-10-26T17:53:19.153Z
- Last checked
- 2026-10-26T17:53:20.290Z
- Badge
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-26T17:53:19.246Z. Cached copy · Source on mnemopay.com
# 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 1,314 tests passing as of 2026-10-24 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 Reputation Score** — 300–850 credit-score-style scale, computed from payment history (35%), credit utilization (20%), history length (15%), behavior diversity (15%), and fraud record (15%). Scores agents, not humans — not FCRA-regulated, not affiliated with FICO. 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
## Swarm (stable)
Parallel budget-gated agent orchestration with Article-12 audit and ledger receip
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