LabscoMCP early access ↗
mnemopayMCP SERVER

MnemoPay

Put a budget, a policy and an audit trail between an agent and the money it spends.

by mnemopay ↗Payments, Billing & SubscriptionsCommunity

LABSCO SUMMARY

Fourteen tools by default, because 95 would eat the context budget.

The default changed in v1.3.0 from all to essentials, which matters if you relied on the commerce or webhook tools appearing without a flag. Everything the agent does lands on a hash-chained ledger — the signed receipt is the artifact a regulated buyer actually verifies.

What it is

The MCP server bundled with @mnemopay/sdk. It sits above the payment rail and below the agent runtime: a charter declares what the agent may spend, FiscalGate reserves funds before the call, and every action hashes into a Merkle-chained ledger.

What you get

  • 14 tools by default in the essentials group, about 1K tokens
  • Memory — remember, recall, forget, reinforce, consolidate
  • Wallet — balance, profile, history, logs
  • Transactions — charge, settle, refund, dispute, receipt_get
  • 95 tools in total, opted into by group: memory, wallet, tx, commerce, hitl, payments, webhooks, reputation, security, governance, identity, skills, spatial, agent_os, organization_admin and operator
  • Signed receipts on the audit chain, and Article 12 audit bundles replaying every event, refusal and memory write
  • An agent reputation score from 300 to 850, built from payment history, credit utilisation, history length, behaviour diversity and fraud record
  • Six payment rails behind one interface — Stripe, Paystack, Lightning, Stripe MPP, x402 and Google AP2

Requirements

npx -y --package=@mnemopay/sdk mnemopay-mcp, or claude mcp add mnemopay -s user -- npx -y @mnemopay/sdk. MNEMOPAY_API_KEY and MNEMOPAY_PERSIST_DIR (default ~/.mnemopay) are both optional; a free sandbox key is available without a card. Pass --tools or set MNEMOPAY_TOOLS to widen past the default group. A hosted server at api.mcp.mnemopay.com runs the same surface without the local SDK.

Setup effort

One command — npx @mnemopay/sdk init

See installation options