before you let an AI agent touch your bank account, you need a way to answer: has this agent earned the right to handle money?

the analogy is credit scores for humans — a numeric reputation that gates access to financial services.

for AI agents, the inputs are different:

• policy violation rate — how often does the agent try to exceed spending caps or pay unapproved counterparties?
• rollback rate — how many proposed transactions get aborted by the governance layer?
• counterparty diversity — does the agent only pay known vendors, or is it trying to send money to random wallets?
• audit completeness — are all transactions logged with full metadata, or are there gaps?

track these metrics across a 30-day rolling window and compute a numeric score (0–850, like FICO). gate access to payment APIs based on the score:

• 750+ — full access to payment rails, high spending caps
• 650–749 — restricted access, lower caps, human approval required above threshold
• below 650 — read-only access, no payment permissions

i'm building agent FICO into mnemopay as a first-class feature. every transaction the agent proposes updates its reputation score in real time. if the score drops below a threshold, the governance layer automatically revokes payment permissions until a human reviews the audit log.

this maps to the broader need for agent memory portability — your agent's reputation should follow it across platforms, just like your credit score follows you across banks.

if you're building agent infrastructure, reputation and governance aren't optional — they're the foundation.