building a two-phase commit ledger for AI agents

i saw a dev.to post asking for a ledger that supports two-phase commit between business logic and payments, plus a merkle-style audit trail.

that's exactly why i built mnemopay's fiscalgate module. standard payment APIs don't give you atomic rollback across agent decisions and money movement — you end up with half-completed workflows or silent failures that only surface during reconciliation.

fiscalgate treats every agent payment as a distributed transaction: the agent proposes, the ledger reserves, business logic confirms or aborts, then settlement happens. if anything fails, both sides roll back.

the merkleaudit chain logs every state transition in a tamper-evident structure. an auditor can verify that an agent didn't rewrite its own history after the fact. this matters under EU AI Act article 12, which requires high-risk AI systems to keep detailed, immutable logs.

if you're duct-taping stripe and postgres together, you won't get atomic two-phase semantics or a compliance-ready audit bundle. mnemopay ships both in one governance layer.

code's open — fiscalgate and merkleaudit are in the core SDK.