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MnemoPay

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Trust and reputation layer for AI agents that handle money.

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MnemoPay assigns credit scores to AI agents transacting on behalf of shoppers, then settles purchases through escrow-backed payment rails with a hash-chained audit ledger. The SDK targets engineering teams building autonomous shopping agents, agentic checkout flows, or marketplace bots that need accountability before merchants will accept agent-initiated payments. Behavioral signals feed into the reputation score, giving merchants a basis to allow, throttle, or block specific agents at the transaction layer.

> what it does

  • Scores AI agents on transaction history and behavioral patterns
  • Records every agent payment in a hash-chained tamper-evident ledger
  • Holds funds in escrow until autonomous purchases complete successfully
  • Connects to real payment rails rather than simulated sandboxes
  • Ships as an SDK for developers integrating agentic checkout

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