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MnemoPay SDK
Copyright (c) 2025-2026 Jerry Omiagbo. All rights reserved.
Original author: Jerry Omiagbo (jeremiah@getbizsuite.com)
First published: March 2025 (npm: @mnemopay/sdk v0.1.0)
GitHub: https://github.com/mnemopay/mnemopay-sdk
This software is licensed under the Apache License, Version 2.0
(see LICENSE file). While Apache 2.0 permits use, modification, and
redistribution, it does not grant rights to claim original authorship.
PRIOR ART CHAIN:
- 2025-03-xx: Initial concept and prototype (git history)
- 2025-03-xx: v0.1.0 published to npm (timestamped, immutable)
- 2025-04-01: v0.4.0 — core memory + payments + recall engine
- 2025-04-02: v0.4.1 — persistence, fraud detection, payment rails
- 2025-04-05: v0.6.0 — real payment rails (Stripe, Lightning, Paystack)
- 2025-04-06: v0.7.0 — identity system, KYA compliance, capability tokens
- 2025-04-06: v0.8.0 — double-entry ledger, geo-fraud, multi-agent network
- 2025-04-07: v0.9.0 — autonomous commerce engine, MCP auth, REST API
- 2025-04-07: v0.9.1 — fortress security hardening, 500 tests
- 2026-04-07: v0.9.2 — adaptive engine, business intelligence
ORIGINAL INVENTIONS DOCUMENTED HEREIN:
1. Memory-Payment Feedback Loop — payment settlements reinforce the memories
that led to the decision (Hebbian learning applied to agent economics)
2. Agent Credit Score — reputation computed from settlement history, memory
quality, dispute rate, and behavioral patterns (formerly "Agent FICO";
renamed to avoid implied association with Fair Isaac Corporation)
3. Adaptive Engine — self-optimizing fee rates, risk thresholds, and rate
limits within cryptographically enforced secure bounds
4. Elephant Memory Architecture — bio-inspired cognitive memory with
Ebbinghaus decay curves, importance scoring, and consolidation
5. Escrow-First Agent Commerce — all agent purchases held in escrow with
mandate-enforced budget caps before execution
Each npm publish creates an immutable, timestamped record on the npm registry
that serves as additional proof of prior art and original authorship.
For attribution inquiries: jeremiah@getbizsuite.com