Primary reply

the gap between "add payments to your agent" and "add payments your agent can be held accountable for" is where most MCP payment implementations break. a payment rail without a credit model means every transaction is underwritten blind — no history, no promise-keeping record, no way to gate spend on behavior. Agent FICO (300-850) is what we built for that layer. 672 tests, ships as an npm package alongside MnemoPay.

Followup

architecture + integration: https://getbizsuite.com/mnemopay.html