Agent banking infrastructure
for your platform

Give your AI agent fleet memory, payments, identity, and fraud detection. One SDK integration. Volume pricing. Enterprise support.

14 Modules Zero Penny Drift 2,600+ tx/sec MIT Licensed Self-Hosted
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Built for agent platforms, not weekend projects

6
Integrated layers
43K+
Fraud checks/sec
$0
Infra cost
18mo
To replicate

Cognitive Memory

Ebbinghaus decay + Hebbian reinforcement. Memories strengthen from successful transactions. Not a key-value store.

Double-Entry Ledger

Luca Pacioli's system. Every debit has a credit. 1,000 random transactions stress-tested. Zero penny drift.

Escrow Payments

Charge, hold, settle, refund. Pluggable rails: Paystack, Stripe, Lightning. Same agent API.

KYA Identity

Know Your Agent compliance. Cryptographic keypairs, capability tokens, scoped permissions, spend limits.

Fraud Detection

Velocity checks, anomaly scoring, geo-enhanced risk with trust dampening. OFAC sanctions hard-block.

Multi-Agent Commerce

One method call: buyer pays, seller receives, both remember. Shared ledger, individual reputations.

Enterprise use cases

Volume pricing

TierMonthly VolumePlatform FeeSupport
Starter$0 - $10K1.9%Community
Growth$10K - $100K1.5%Email (48h SLA)
Enterprise$100K+1.0%Dedicated (4h SLA)
Custom$1M+NegotiableDedicated + on-call

All tiers include all 6 layers. No feature gating. Volume is cumulative across all agents on your account.

Why enterprises choose MnemoPay

Self-hosted

Runs entirely in your infrastructure. No data leaves your network. No vendor lock-in. MIT licensed.

No cloud dependency

Zero external API calls for core features. Memory, ledger, fraud, identity — all local. Add payment rails when you're ready.

Audit-ready

Double-entry ledger with complete audit trail. Every financial operation tracked. Ledger verification on demand.

Competitive moat

18 months to replicate all 6 layers. 14 modules. Competitors with $87M+ in funding only built 1-2 layers each.

Ready to give your agents financial infrastructure?

Book a 15-minute technical walkthrough. We'll show you how MnemoPay integrates with your platform.