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SDK MCP server

by mnemopay.com·com.mnemopay/sdk·v1.11.0·8 stars
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Memory + wallet for AI agents. Real payment rails, Agent FICO 300-850, Merkle audit, identity.

B80/100grade B
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B80/100

full report

Adoption
Growing

8 stars277 downloads/wk

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SDK tools (40, 9 write)

write = sends, deletes, buys or posts

Read from the package source without running it. The installed server may list more.

  • agent_fico_score

    Compute Agent FICO score (300-850). Returns score, tier, fee rate. See mnemopay://guide/fico.

  • anomaly_check

    EWMA streaming anomaly check on a tx amount. Returns normal/warning/critical.

  • balance

    Check wallet balance and reputation score.

  • behavioral_analysis

    Analyze a spending amount (prospect theory, cooling-off, loss framing). See mnemopay://guide/fico.

  • chargewrite action

    Create an escrow charge for delivered work. Max = $500 × reputation. See mnemopay://guide/tx.

  • charge_approvewrite action

    Approve a pending charge request and execute it.

  • charge_rejectwrite action

    Reject a pending charge request.

  • charge_requestwrite action

    Queue a charge for user approval. Finalize via charge_approve/reject.

  • consolidate

    Prune stale memories below the decay threshold.

  • dispute

    Dispute a settled tx within 24h window. Freezes it pending resolution.

  • forget

    Permanently delete a memory by ID.

  • fraud_stats

    Fraud stats: tracked/flagged/blocked agents, open disputes, fees.

  • history

    Transaction history, most recent first.

  • history_export

    Export full tx history as JSON or CSV.

  • logs

    Audit trail of memory and payment actions.

  • memory_integrity_check

    SHA-256 Merkle integrity check over memories. Returns root hash, leaf count, tamper status.

  • payment_method_addwrite action

    Create Stripe customer + SetupIntent. Returns client_secret. Stripe rail only.

  • payment_method_list

    List saved payment methods for a Stripe customer.

  • payment_method_removewrite action

    Detach a payment method from a Stripe customer.

  • payout_createwrite action

    Initiate a Paystack bank payout (creates recipient + transfer). Paystack rail only.

  • payout_status

    Check Paystack payout status by transfer code.

  • profile

    Agent stats: reputation, wallet, memory count, tx count.

  • recall

    Recall top memories. Semantic search if query provided, else importance-ranked.

  • receipt_get

    Get a formatted receipt for a transaction.

  • refundwrite action

    Refund a transaction. Docks reputation -0.05 if already settled.

  • reinforce

    Boost a memory's importance after it yielded a good outcome.

  • remember

    Store a memory persisted across sessions. Importance auto-scored if omitted.

  • reputation

    Reputation report: score, tier, settlement rate, memory stats.

  • settle

    Finalize a pending escrow. Releases funds, +0.01 reputation. See mnemopay://guide/tx.

  • shop_approve

    Approve a pending purchase. Escrows funds and executes.

  • shop_buywrite action

    Purchase a product. Funds held in escrow until shop_confirm_delivery.

  • shop_checkout

    Browser-automated checkout on a merchant URL. See mnemopay://guide/checkout for env setup.

  • shop_confirm_delivery

    Confirm delivery and release escrow to the merchant.

  • shop_orders

    List orders with status, remaining budget, and purchase history.

  • shop_pending_approvals

    List purchases/charges pending approval. Expire in 10 min.

  • shop_reject

    Reject a pending purchase. Order cancelled, no funds move.

  • shop_search

    Search products within the active mandate (budget/category/merchant filtered).

  • shop_set_mandate

    Set shopping mandate (budget + restrictions). Required before shop_search/buy. See mnemopay://guide/commerce.

  • webhook_list

    List registered webhook subscriptions.

  • webhook_register

    Register a webhook URL for payment events. See mnemopay://guide/webhooks for event types.

Public scan report

scanner v0.1.9 · 2026-09-27 · same rubric, same numbers if you re-run it

no findings
  • Code scan163 source files scanned25/25
  • –Live reliabilityno gateway calls yet and no remote to proben/a
  • –Tool poisoningtools not inspected (local package is not executed); not countedn/a
  • Auth qualitystatic API keys via environment variables6/15
  • Maintenancelast push 40 days ago12/15
  • Maintainer identityregistry namespace matches repository owner; website matches verified namespace9/10
Overall 80/100. Components that don't apply are left out of the denominator. Any critical finding is an F.RubricAppeal a findingJSON

Install SDK in Claude Code, Cursor or VS Code

Runs npx -y @mnemopay/sdk on your machine. Read the scan report first; the gateway never runs local packages.

claude mcp add sdk -- npx -y @mnemopay/sdk
Add to Cursor

What the publisher says

From the SDK repository's README, as published. We do not edit it. Read it on GitHub

MnemoPay

The governance layer for AI agents that handle money. Charter-driven mission scope, FiscalGate budget enforcement, EU AI Act Article 12 audit bundles, Agent Reputation Scoring (300-850), and a tamper-evident MerkleAudit chain — across every payment rail an agent will ever touch.

MnemoPay sits above the rail (Stripe, Paystack, Lightning, Stripe MPP, x402, Google AP2) and below the agent runtime (LangChain, CrewAI, Claude Agent SDK, your own loop). The rail moves money. The runtime decides. MnemoPay declares the rules, enforces the budget, and produces the evidence.

npm install @mnemopay/sdk

New here? Start at docs/QUICKSTART.md — 60 seconds, three steps, working code.

Docs: Quickstart · Architecture · Permissions · Action ledger · Integrations (OpenAI/Anthropic/Gemini/Cohere/Mistral/LangGraph) · Recall · FiscalGate · Audit bundles (EU AI Act Art. 12) · Subpath import rule · Claude Agent SDK guide · Bundlers: Vite · Webpack · Bun

Community: LICENSE (Apache 2.0) · CHANGELOG · CONTRIBUTING · CODEOFCONDUCT · SECURITY · Discussions · Good first issues

Receipts: Trust hub (entity, KYB, Apple Team ID, Article 12 audit chain — verify in <5 min) · Benchmarks (1M ops, 100% adversarial detection, $0 ledger drift) · Python SDK on PyPI (full TS-rail parity since 1.1.0)

import MnemoPay, {
  Charter, FiscalGate, MerkleAudit,        // governance primitives
  AgentReputationScoring, BehavioralEngine, // trust + reputation
  StripeRail, X402Rail, GoogleAP2Rail,      // rails
} from "@mnemopay/sdk";

const agent = MnemoPay.quick("my-agent");

await agent.remember("User prefers monthly billing");
const tx = await agent.charge(25, "Monthly API access");   // FiscalGate hold
await agent.settle(tx.id);                                  // FiscalGate capture

// Agent Reputation Score — portable, 300-850 range. NOT FICO-brand, NOT a consumer
// credit report, NOT governed by FCRA. Scores agents (software), not humans.
const scorer = new AgentReputationScoring();
const result = scorer.compute({ transactions: [tx], createdAt: new Date(), /* ... */ });
// → { score: 672, rating: "good", feeRate: 0.015, trustLevel: "standard" }

14 modules. Hash-chained ledger. Charter / FiscalGate / Article 12 audit bundles. 6 payment rails. 200K-operation stress tested. Apache 2.0.

What MnemoPay is NOT: not a bank, not a money transmitter, not a Stripe replacement, not an agent framework, not a compliance platform. It's the rules-and-evidence layer between the rail and the runtime.

Governance latency (sub-second invariant)

Shortened. The full README is on GitHub.

Nothing above is checked by us. What we check is on the safety report.

SDK: common questions

Is SDK MCP server safe?
Mostly: it is graded B (80/100). Read the SDK safety report
How do I install SDK?
It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.
Does SDK need an API key?
Yes. The registry entry asks for MNEMOPAY_API_KEY.
Is SDK maintained?
The last commit was 40 days ago (2026-08-19). The latest release is v1.11.0.
What can I use instead of SDK?
Servers from other publishers that do the same job: SDK MCP server, PipRail MCP server and Agentpay MCP server. Compare all SDK alternatives.

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