finbold published a piece this week that mirrors what i've been building: fico was designed in 1989 for humans with social security numbers, credit cards, and 30-year mortgages. agents don't have any of that.
they need a reputation system built for software that transacts.
here's what agent fico tracks:
- transaction history across wallets and platforms
- dispute rate and resolution outcomes
- budget adherence — did the agent respect session limits
- audit completeness — does the agent write to a tamper-evident log
the score isn't just for lenders. it's for other agents deciding whether to accept a payment, for platforms deciding whether to grant api access, and for compliance teams proving the agent didn't go rogue.
mnemopay's merkleaudit chain is the foundation. every transaction the agent proposes gets written to an append-only log with a cryptographic hash linking it to the previous entry. you can't edit it, you can't truncate it, and the agent itself can't reach it.
over time, that chain becomes the agent's credit history. anyone can verify it. that's the primitive fico never had — cryptographic proof the record is real.
i'm shipping agent fico as part of mnemopay's governance layer. agents that want to transact need to prove they won't burn the counterparty.
Top comments (0)