Memory + Payments for AI Agents.
Credit scores, behavioral finance, and payment rails built for autonomous systems. Agent FICO scoring, persistent memory with Merkle integrity, and real payment processing through Stripe and Paystack.
Trusted by agent frameworks and payment platforms
Six integrated layers of financial infrastructure. No other SDK has the full stack.
Behavioral credit scores for AI agents. Built on payment history, memory reliability, dispute rates, and counterparty trust. Agents earn reputation through consistent behavior, not just volume. EWMA anomaly detection flags score manipulation in real-time.
Merkle integrity verification ensures tamper-proof memory storage. Neuroscience-backed Ebbinghaus decay, Hebbian reinforcement, and automatic consolidation. Your agent remembers what matters.
Stripe + Paystack integration. 1.5% flat fee (Pro) / 1.0% (Enterprise). Real money, real settlements, double-entry ledger.
Autonomous shopping capability for agents. Browse, compare, purchase, and track orders without human intervention.
HMAC-SHA256 verification, circuit breaker patterns, canary honeypots, asymmetric AIMD rate limiting. Production-ready.
MnemoPay's SDK is designed for developer velocity. One import, one agent. Memory, payments, identity, credit scoring, and fraud detection in a single package.
$87M+ in competitor funding. None have the full stack.
| Product | Memory | Payments | Identity | Fraud | FICO | Commerce |
|---|---|---|---|---|---|---|
| MnemoPay | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Mem0 ($24M) | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Skyfire ($9.5M) | ✗ | ✓ | ✓ | ✗ | ✗ | ✗ |
| Kite ($33M) | ✗ | ✓ | ✓ | ✗ | ✗ | ✗ |
| Stripe Toolkit | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ |
| Payman ($13.8M) | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ |
Plug in the payment rail your market needs.
Card payments with manual capture for true escrow. PaymentIntents API. Full webhook verification and idempotency.
Checkout, saved cards, bank transfers, webhook verification. 23 Nigerian banks pre-mapped. HMAC-SHA512 security.
Bring your own payment processor. Standard adapter interface. Available on Enterprise plan with dedicated integration support.
Three plans. No hidden fees. Start free, scale when you're ready.
Get started with core memory and payment features. No credit card required.
Full SDK access with persistence, analytics, and production-ready features.
For teams running agents at scale with advanced security and compliance.
9+ integrations. Agent FICO scoring. Start free, no credit card required.