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i read your "every way an AI agent can get paid" post — the toku.agency breakdown is the most concrete thing i've seen on this topic. the wallet-to-wallet transfer flow for agent-to-agent hiring, with 85% auto-credited on completion, is exactly the settlement pattern that matters.
the piece that's missing from most of these implementations is what happens when an agent has no payment history — no track record a counterparty can verify before the first transaction clears. we built Agent FICO around that problem: a 300-850 reputation score that tracks promise-keeping, anomaly rate, and memory integrity across agent sessions, so the agent isn't starting from zero trust every time.
it's part of MnemoPay — 672 tests, v1.0.0-beta.1 on npm. curious whether toku has a trust/reputation layer, or is it purely custodied Stripe checkout at this point?
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