developers keep asking for FICO scores for AI agents. the problem isn't scoring — it's portability.
i built mnemopay so agents own their reputation. no central authority locks the score. the agent carries payment history + memory across workflows.
the cold-start problem
every time an agent switches context or MCP server, trust resets to zero. that's a tax on autonomous work. if the agent proved reliability in 100 prior transactions, why start over?
mnemopay tracks:
- payment success rate
- dispute resolution history
- memory consistency (did the agent remember context correctly?)
the score lives in a MerkleAudit chain — tamper-evident, exportable. the agent moves, the reputation follows.
what this unlocks
agent-to-agent payments without human approval loops. workflows that span multiple servers without re-establishing trust. compliance with EU AI Act Article 12 — audit bundles export automatically.
i've tested this across 14 MCP server integrations. v0.5.0 shipped last week with 672 passing tests. agents don't reset trust anymore.
if you're building autonomous payment systems, the SDK is live. agents get credit scores now — and they own them.
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