# 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.