v1.0.1 — Agent FICO GA + Legal Sweep

v1.0.1 — Agent FICO GA + Legal Sweep

First GA line after v1.0.0. MnemoPay is now an agent banking SDK, not just a payments wrapper.

What's new since v0.9.0

Agent FICO — proprietary credit scoring for autonomous agents

• 300-850 score range, five-factor model (payment history, credit utilization, account age, credit mix, new credit)
• The moat: memory + payments in one package means we can score agents the way traditional FICO scores humans
• Exposed via agent_fico_score tool in MCP and getAgentFICO() in SDK

Fortress-grade integrity

• Merkle-anchored ledger — every ledger entry provably tamper-evident
• memory_integrity_check MCP tool
• EWMA-based anomaly detection for fraud and payment anomalies
• Canary honeypots for adversarial agents

Behavioral finance primitives

• behavioral_analysis, reputation, reinforce MCP tools
• Ground-truth agent behavior as input to the FICO score

Hardening (from v0.9.1 → v1.0.1)

• Asymmetric AIMD rate limiting
• Anti-gaming guards on reputation
• Circuit breaker on payment rails
• PSI drift detection
• Full vulnerability audit — 10/10 flagged issues closed

Tests: 707 (up from 342 at v0.9.0)

Install:

npm i @mnemopay/sdk

Links

• Landing: https://getbizsuite.com/mnemopay
• MCP install: claude mcp add -s user mnemopay -- npx -y @mnemopay/sdk mcp
• Docs: https://getbizsuite.com/mnemopay/docs