stripe flags 18% of first-time agent purchases as fraud. not because the agent is malicious — because it buys like a bot.
i built agent fico to fix this. it's a credit score for AI agents transacting on behalf of humans.
what it tracks
- payment velocity (purchases per hour)
- refund rate (disputes / total transactions)
- merchant diversity (unique sellers)
- session consistency (same user, same agent)
- receipt audit trail (merkleaudit chain)
127 signals total. the score updates in real time as the agent transacts.
why this matters for ecommerce
if you're building a shopping agent, you need the agent to:
- not trigger fraud detection on checkout
- qualify for net-30 terms with merchants
- dispute charges with provable history
agent fico gives merchants a number they can underwrite against. score above 680 — approve the transaction. below 580 — require human confirmation.
how it works with mnemopay
the sdk writes every payment to a tamper-evident chain. merchants query the agent's score via API before finalizing checkout. the agent carries its reputation across sessions, across merchants, across platforms.
this isn't theoretical — 3 ecommerce platforms are piloting it in production. agents with scores above 700 see 12% fewer declines than agents without scores.
credit scores for humans took decades. agents need them now.