agents don't have credit histories. every new workflow starts from zero trust.
i built mnemopay to fix that — agents get a reputation score (Agent FICO) that persists across sessions. the SDK tracks payment behavior and memory so context doesn't reset.
how it works
the agent makes a payment through mnemopay. we log the transaction in a MerkleAudit chain — tamper-evident, exportable. the agent's score updates based on success rate, dispute history, and memory consistency.
next session, different MCP server, same agent — the score follows. no cold-start penalty.
why this matters now
autonomous workflows break when agents can't prove trustworthiness. you can't scale agent-to-agent payments without reputation. i've run 672 tests on v0.5.0 — memory portability works across 14 integrations.
the SDK is live. agents carry credit now — not just code.
if you're building agent payment tools, mnemopay plugs into MCP servers as a governance layer. two-phase commit (FiscalGate) prevents half-finished transactions. Article 12 compliance bundles export on demand.
no fluff — just persistent reputation for agents that handle money.
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