mnemopay 1.0.0__tar.gz

mnemopay-1.0.0/LICENSE

@@ -0,0 +1,190 @@
+                                 Apache License
+                           Version 2.0, January 2004
+                        http://www.apache.org/licenses/
+
+   TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION
+
+   1. Definitions.
+
+      "License" shall mean the terms and conditions for use, reproduction,
+      and distribution as defined by Sections 1 through 9 of this document.
+
+      "Licensor" shall mean the copyright owner or entity authorized by
+      the copyright owner that is granting the License.
+
+      "Legal Entity" shall mean the union of the acting entity and all
+      other entities that control, are controlled by, or are under common
+      control with that entity. For the purposes of this definition,
+      "control" means (i) the power, direct or indirect, to cause the
+      direction or management of such entity, whether by contract or
+      otherwise, or (ii) ownership of fifty percent (50%) or more of the
+      outstanding shares, or (iii) beneficial ownership of such entity.
+
+      "You" (or "Your") shall mean an individual or Legal Entity
+      exercising permissions granted by this License.
+
+      "Source" form shall mean the preferred form for making modifications,
+      including but not limited to software source code, documentation
+      source, and configuration files.
+
+      "Object" form shall mean any form resulting from mechanical
+      transformation or translation of a Source form, including but
+      not limited to compiled object code, generated documentation,
+      and conversions to other media types.
+
+      "Work" shall mean the work of authorship, whether in Source or
+      Object form, made available under the License, as indicated by a
+      copyright notice that is included in or attached to the work
+      (an example is provided in the Appendix below).
+
+      "Derivative Works" shall mean any work, whether in Source or Object
+      form, that is based on (or derived from) the Work and for which the
+      editorial revisions, annotations, elaborations, or other modifications
+      represent, as a whole, an original work of authorship. For the purposes
+      of this License, Derivative Works shall not include works that remain
+      separable from, or merely link (or bind by name) to the interfaces of,
+      the Work and Derivative Works thereof.
+
+      "Contribution" shall mean any work of authorship, including
+      the original version of the Work and any modifications or additions
+      to that Work or Derivative Works thereof, that is intentionally
+      submitted to the Licensor for inclusion in the Work by the copyright owner
+      or by an individual or Legal Entity authorized to submit on behalf of
+      the copyright owner. For the purposes of this definition, "submitted"
+      means any form of electronic, verbal, or written communication sent
+      to the Licensor or its representatives, including but not limited to
+      communication on electronic mailing lists, source code control systems,
+      and issue tracking systems that are managed by, or on behalf of, the
+      Licensor for the purpose of discussing and improving the Work, but
+      excluding communication that is conspicuously marked or otherwise
+      designated in writing by the copyright owner as "Not a Contribution."
+
+      "Contributor" shall mean Licensor and any individual or Legal Entity
+      on behalf of whom a Contribution has been received by the Licensor and
+      subsequently incorporated within the Work.
+
+   2. Grant of Copyright License. Subject to the terms and conditions of
+      this License, each Contributor hereby grants to You a perpetual,
+      worldwide, non-exclusive, no-charge, royalty-free, irrevocable
+      copyright license to reproduce, prepare Derivative Works of,
+      publicly display, publicly perform, sublicense, and distribute the
+      Work and such Derivative Works in Source or Object form.
+
+   3. Grant of Patent License. Subject to the terms and conditions of
+      this License, each Contributor hereby grants to You a perpetual,
+      worldwide, non-exclusive, no-charge, royalty-free, irrevocable
+      (except as stated in this section) patent license to make, have made,
+      use, offer to sell, sell, import, and otherwise transfer the Work,
+      where such license applies only to those patent claims licensable
+      by such Contributor that are necessarily infringed by their
+      Contribution(s) alone or by combination of their Contribution(s)
+      with the Work to which such Contribution(s) was submitted. If You
+      institute patent litigation against any entity (including a
+      cross-claim or counterclaim in a lawsuit) alleging that the Work
+      or a Contribution incorporated within the Work constitutes direct
+      or contributory patent infringement, then any patent licenses
+      granted to You under this License for that Work shall terminate
+      as of the date such litigation is filed.
+
+   4. Redistribution. You may reproduce and distribute copies of the
+      Work or Derivative Works thereof in any medium, with or without
+      modifications, and in Source or Object form, provided that You
+      meet the following conditions:
+
+      (a) You must give any other recipients of the Work or
+          Derivative Works a copy of this License; and
+
+      (b) You must cause any modified files to carry prominent notices
+          stating that You changed the files; and
+
+      (c) You must retain, in the Source form of any Derivative Works
+          that You distribute, all copyright, patent, trademark, and
+          attribution notices from the Source form of the Work,
+          excluding those notices that do not pertain to any part of
+          the Derivative Works; and
+
+      (d) If the Work includes a "NOTICE" text file as part of its
+          distribution, then any Derivative Works that You distribute must
+          include a readable copy of the attribution notices contained
+          within such NOTICE file, excluding any notices that do not
+          pertain to any part of the Derivative Works, in at least one
+          of the following places: within a NOTICE text file distributed
+          as part of the Derivative Works; within the Source form or
+          documentation, if provided along with the Derivative Works; or,
+          within a display generated by the Derivative Works, if and
+          wherever such third-party notices normally appear. The contents
+          of the NOTICE file are for informational purposes only and
+          do not modify the License. You may add Your own attribution
+          notices within Derivative Works that You distribute, alongside
+          or as an addendum to the NOTICE text from the Work, provided
+          that such additional attribution notices cannot be construed
+          as modifying the License.
+
+      You may add Your own copyright statement to Your modifications and
+      may provide additional or different license terms and conditions
+      for use, reproduction, or distribution of Your modifications, or
+      for any such Derivative Works as a whole, provided Your use,
+      reproduction, and distribution of the Work otherwise complies with
+      the conditions stated in this License.
+
+   5. Submission of Contributions. Unless You explicitly state otherwise,
+      any Contribution intentionally submitted for inclusion in the Work
+      by You to the Licensor shall be under the terms and conditions of
+      this License, without any additional terms or conditions.
+      Notwithstanding the above, nothing herein shall supersede or modify
+      the terms of any separate license agreement you may have executed
+      with Licensor regarding such Contributions.
+
+   6. Trademarks. This License does not grant permission to use the trade
+      names, trademarks, service marks, or product names of the Licensor,
+      except as required for reasonable and customary use in describing the
+      origin of the Work and reproducing the content of the NOTICE file.
+
+   7. Disclaimer of Warranty. Unless required by applicable law or
+      agreed to in writing, Licensor provides the Work (and each
+      Contributor provides its Contributions) on an "AS IS" BASIS,
+      WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or
+      implied, including, without limitation, any warranties or conditions
+      of TITLE, NON-INFRINGEMENT, MERCHANTABILITY, or FITNESS FOR A
+      PARTICULAR PURPOSE. You are solely responsible for determining the
+      appropriateness of using or redistributing the Work and assume any
+      risks associated with Your exercise of permissions under this License.
+
+   8. Limitation of Liability. In no event and under no legal theory,
+      whether in tort (including negligence), contract, or otherwise,
+      unless required by applicable law (such as deliberate and grossly
+      negligent acts) or agreed to in writing, shall any Contributor be
+      liable to You for damages, including any direct, indirect, special,
+      incidental, or consequential damages of any character arising as a
+      result of this License or out of the use or inability to use the
+      Work (including but not limited to damages for loss of goodwill,
+      work stoppage, computer failure or malfunction, or any and all
+      other commercial damages or losses), even if such Contributor
+      has been advised of the possibility of such damages.
+
+   9. Accepting Warranty or Additional Liability. While redistributing
+      the Work or Derivative Works thereof, You may choose to offer,
+      and charge a fee for, acceptance of support, warranty, indemnity,
+      or other liability obligations and/or rights consistent with this
+      License. However, in accepting such obligations, You may act only
+      on Your own behalf and on Your sole responsibility, not on behalf
+      of any other Contributor, and only if You agree to indemnify,
+      defend, and hold each Contributor harmless for any liability
+      incurred by, or claims asserted against, such Contributor by reason
+      of your accepting any such warranty or additional liability.
+
+   END OF TERMS AND CONDITIONS
+
+   Copyright 2026 J&B Enterprise LLC
+
+   Licensed under the Apache License, Version 2.0 (the "License");
+   you may not use this file except in compliance with the License.
+   You may obtain a copy of the License at
+
+       http://www.apache.org/licenses/LICENSE-2.0
+
+   Unless required by applicable law or agreed to in writing, software
+   distributed under the License is distributed on an "AS IS" BASIS,
+   WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+   See the License for the specific language governing permissions and
+   limitations under the License.

mnemopay-1.0.0/NOTICE

@@ -0,0 +1,70 @@
+MnemoPay Python SDK
+Copyright (c) 2026 Jeremiah Omiagbo / J&B Enterprise LLC. All rights reserved.
+
+Original author: Jeremiah Omiagbo (jeremiah@getbizsuite.com)
+First published: April 2026 (PyPI: mnemopay v1.0.0b1)
+GitHub: https://github.com/mnemopay/mnemopay-python
+
+This software is licensed under the Apache License, Version 2.0
+(see LICENSE file).
+
+══════════════════════════════════════════════════════════════════════════
+LICENSE HISTORY — VERSION SPLIT
+══════════════════════════════════════════════════════════════════════════
+
+  v1.0.0b1, v1.0.0b2, v1.0.0b3, v1.0.0b4    MIT License
+  v1.0.0 and later                          Apache License 2.0
+
+The four pre-release betas (`1.0.0b1` through `1.0.0b4`, published April
+through May 2026) are permanently licensed under the MIT License and
+remain available under those terms on PyPI. The first stable release
+(`v1.0.0`) and all subsequent versions are licensed under the Apache
+License 2.0.
+
+Reason for the relicense at the stable cut: alignment with the canonical
+TypeScript SDK at https://www.npmjs.com/package/@mnemopay/sdk (Apache 2.0),
+plus the patent grant + retaliation clause Apache 2.0 provides for
+enterprise embedders. If you depend on the MIT terms specifically, pin to
+`mnemopay==1.0.0b4` — that version stays MIT in perpetuity.
+
+══════════════════════════════════════════════════════════════════════════
+PRIOR ART CHAIN
+══════════════════════════════════════════════════════════════════════════
+
+- 2026-04-xx: v1.0.0b1 published to PyPI (MIT, timestamped, immutable)
+- 2026-04-xx: v1.0.0b2 published to PyPI (MIT)
+- 2026-04-xx: v1.0.0b3 published to PyPI (MIT)
+- 2026-05-xx: v1.0.0b4 published to PyPI (MIT)  — last MIT release
+- 2026-xx-xx: v1.0.0   published to PyPI (Apache 2.0) — first stable
+
+══════════════════════════════════════════════════════════════════════════
+ORIGINAL INVENTIONS DOCUMENTED HEREIN
+══════════════════════════════════════════════════════════════════════════
+
+These inventions also appear in the canonical TypeScript SDK; the
+Python port mirrors the spec.
+
+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
+   policy parameters that learn from settlement and dispute outcomes.
+
+══════════════════════════════════════════════════════════════════════════
+TRADEMARK
+══════════════════════════════════════════════════════════════════════════
+
+"MnemoPay" is a trademark of J&B Enterprise LLC. Use of the name in
+forks, redistributions, or derivative works requires explicit permission
+under Apache 2.0 Section 6.
+
+══════════════════════════════════════════════════════════════════════════
+CONTACT
+══════════════════════════════════════════════════════════════════════════
+
+For licensing questions, security issues, or commercial support:
+  jeremiah@getbizsuite.com

mnemopay-1.0.0/PKG-INFO

@@ -0,0 +1,174 @@
+Metadata-Version: 2.4
+Name: mnemopay
+Version: 1.0.0
+Summary: Memory + Wallet for AI Agents. Give any agent persistent memory and micropayment capabilities.
+Author-email: Jeremiah Omiagbo <jeremiah@getbizsuite.com>
+License: Apache-2.0
+Project-URL: Homepage, https://getbizsuite.com/mnemopay
+Project-URL: Repository, https://github.com/mnemopay/mnemopay-python
+Project-URL: Documentation, https://getbizsuite.com/mnemopay
+Keywords: ai,agents,memory,payments,fico,behavioral-finance,anomaly-detection
+Classifier: Development Status :: 5 - Production/Stable
+Classifier: Intended Audience :: Developers
+Classifier: License :: OSI Approved :: Apache Software License
+Classifier: Programming Language :: Python :: 3
+Classifier: Programming Language :: Python :: 3.9
+Classifier: Programming Language :: Python :: 3.10
+Classifier: Programming Language :: Python :: 3.11
+Classifier: Programming Language :: Python :: 3.12
+Classifier: Programming Language :: Python :: 3.13
+Classifier: Topic :: Software Development :: Libraries
+Classifier: Topic :: Scientific/Engineering :: Artificial Intelligence
+Classifier: Typing :: Typed
+Requires-Python: >=3.9
+Description-Content-Type: text/markdown
+License-File: LICENSE
+License-File: NOTICE
+Provides-Extra: dev
+Requires-Dist: pytest>=7.0; extra == "dev"
+Requires-Dist: pytest-cov>=4.0; extra == "dev"
+Provides-Extra: stripe
+Requires-Dist: stripe>=12.0.0; extra == "stripe"
+Dynamic: license-file
+
+# MnemoPay Python SDK
+
+The governance layer for AI agents that handle money — Python edition. Mirrors the TypeScript [`@mnemopay/sdk`](https://www.npmjs.com/package/@mnemopay/sdk) shape so the same agent identity, score, charter, and audit chain work across both runtimes.
+
+```python
+from mnemopay import MnemoPay
+
+agent = MnemoPay("my-agent")
+agent.remember("user prefers Python")
+tx = agent.charge(10.00, "API call")
+agent.settle(tx.id)
+```
+
+## Install
+
+```bash
+pip install mnemopay                  # stdlib-only core
+pip install "mnemopay[stripe]"        # + StripeRail (peer-loaded `stripe>=12.0`)
+```
+
+> **What MnemoPay is NOT:** not a bank, not a money transmitter, not a Stripe replacement, not an agent framework. It sits **above** the rail and **below** the runtime — declares the rules, enforces the budget, produces the evidence.
+
+## Features
+
+- **Payment rails** (v1.0.0b4 — parity with TS v1.6.x): `MockRail` + `StripeRail` with manual-capture two-phase commit, threading-safe capture race-protection, idempotency-key forwarding
+- **Cognitive Memory**: Ebbinghaus decay, Hebbian reinforcement, auto-scoring, Layer 2 semantic recall + RL feedback
+- **Micropayments**: escrow-based charges with volume-tiered fees (1.9% / 1.5% / 1.0%)
+- **Agent FICO**: agent credit scoring (300-850 range; not consumer FICO, not FCRA-regulated)
+- **Behavioral Finance**: prospect theory, cooling-off periods, regret prediction
+- **Merkle Integrity**: SHA-256 tamper detection for agent memory
+- **Anomaly Detection**: EWMA streaming detector, behavioral fingerprinting, canary honeypots
+- **Commerce**: autonomous shopping engine with mandates + escrow
+- **Circuit Breaker**: AIMD rate limiting, anti-gaming, PSI drift detection
+- **Stdlib core**: zero required dependencies — peer-deps only when you opt in (e.g. `stripe`)
+- **Python 3.9+**: full type hints, dataclasses, sync API (matches the rest of the SDK)
+
+## Modules
+
+| Module | Class | Description |
+|--------|-------|-------------|
+| `mnemopay.core` | `MnemoPay` | Memory + payments + reputation |
+| `mnemopay.rails` | `PaymentRail`, `MockRail`, `StripeRail` | Payment rail abstraction (v1.0.0b4) |
+| `mnemopay.fico` | `AgentFICO` | Credit scoring (300-850) |
+| `mnemopay.behavioral` | `BehavioralEngine` | Behavioral finance tools |
+| `mnemopay.integrity` | `MerkleTree` | SHA-256 tamper detection |
+| `mnemopay.anomaly` | `EWMADetector`, `BehaviorMonitor`, `CanarySystem` | Anomaly detection |
+| `mnemopay.commerce` | `CommerceEngine`, `CommerceProvider`, `Mandate` | Autonomous shopping |
+| `mnemopay.circuit_breaker` | `CircuitBreaker`, `AIMDRateLimiter`, `AntiGamingEngine`, `PSIDriftDetector` | Adaptive defense |
+
+## Payment rails (v1.0.0b4)
+
+Mirrors the TypeScript `PaymentRail` interface. Same shape (`create_hold` / `capture_payment` / `reverse_payment`), same drop-in-swap semantics. Sync API to match the rest of the Python SDK — no asyncio.
+
+```python
+from mnemopay.rails import StripeRail, MockRail, HoldOptions
+
+# Default — no infra, in-memory ledger, used in tests + dev
+rail = MockRail()
+
+# Production — real Stripe PaymentIntents with manual-capture two-phase commit
+rail = StripeRail(secret_key="sk_test_...")
+
+# Two-phase commit (hold → capture)
+hold = rail.create_hold(
+    amount=25.00,
+    reason="Monthly access",
+    agent_id="agent-1",
+    opts=HoldOptions(
+        customer_id="cus_real",
+        payment_method_id="pm_real",
+        off_session=True,
+        metadata={"idempotencyKey": "req_abc"},
+    ),
+)
+capture = rail.capture_payment(hold.external_id, 25.00)
+# capture.status == "succeeded"
+# capture.receipt_id == "ch_..."  # Stripe charge id
+
+# Or reverse (cancel the hold) instead of capturing
+rail.reverse_payment(hold.external_id, 25.00)
+```
+
+`StripeRail` includes onboarding helpers for off-session charges:
+
+```python
+result = rail.create_customer("user@example.com", name="Jerry O")
+# {"customer_id": "cus_..."}
+
+result = rail.create_setup_intent(customer_id="cus_...")
+# {"setup_intent_id": "seti_...", "client_secret": "..."}
+```
+
+For tests, inject a mock client:
+
+```python
+from unittest.mock import MagicMock
+rail = StripeRail.from_client(MagicMock(), currency="usd")
+```
+
+## Compatibility with `@mnemopay/sdk` (TypeScript)
+
+| Feature | TypeScript v1.6.0-alpha.1 | Python v1.0.0b4 |
+|---|---|---|
+| `MockRail` | yes | yes |
+| `StripeRail` | yes | yes |
+| `PaystackRail` | yes | not yet |
+| `LightningRail` | yes | not yet |
+| `StripeMPPRail` (alpha) | yes | not yet |
+| `X402Rail` (alpha) | yes | not yet |
+| `GoogleAP2Rail` (alpha) | yes | not yet |
+| Charter / FiscalGate / Article 12 (governance) | yes | not yet |
+| Agent Credit Score | yes | yes |
+| Behavioral Finance | yes | yes |
+| Merkle integrity | yes | yes |
+| Anomaly detection (EWMA + canary) | yes | yes |
+| Commerce engine | yes | yes |
+| Circuit breaker | yes | yes |
+
+The Python SDK ships behind the TypeScript SDK — port priorities track agent-developer demand. Open an issue if you need a specific rail or governance primitive in Python.
+
+## Tests
+
+```bash
+pip install -e ".[dev,stripe]"
+pytest                    # 422 tests across 9 modules
+pytest tests/test_rails.py -v   # 29 rail-specific tests
+```
+
+## License
+
+**v1.0.0+ is Apache License 2.0** — see [LICENSE](LICENSE) and [NOTICE](NOTICE).
+
+The pre-release betas (`1.0.0b1` through `1.0.0b4`) shipped under the MIT
+License and remain available under those terms on PyPI in perpetuity. If
+you depend on the MIT terms specifically, pin to `mnemopay==1.0.0b4`.
+
+Why Apache 2.0 at the stable cut: alignment with the canonical TypeScript
+SDK at [`@mnemopay/sdk`](https://www.npmjs.com/package/@mnemopay/sdk) plus
+the patent grant + retaliation clause for enterprise embedders.
+
+Copyright 2026 J&B Enterprise LLC.

mnemopay-1.0.0/README.md

@@ -0,0 +1,141 @@
+# MnemoPay Python SDK
+
+The governance layer for AI agents that handle money — Python edition. Mirrors the TypeScript [`@mnemopay/sdk`](https://www.npmjs.com/package/@mnemopay/sdk) shape so the same agent identity, score, charter, and audit chain work across both runtimes.
+
+```python
+from mnemopay import MnemoPay
+
+agent = MnemoPay("my-agent")
+agent.remember("user prefers Python")
+tx = agent.charge(10.00, "API call")
+agent.settle(tx.id)
+```
+
+## Install
+
+```bash
+pip install mnemopay                  # stdlib-only core
+pip install "mnemopay[stripe]"        # + StripeRail (peer-loaded `stripe>=12.0`)
+```
+
+> **What MnemoPay is NOT:** not a bank, not a money transmitter, not a Stripe replacement, not an agent framework. It sits **above** the rail and **below** the runtime — declares the rules, enforces the budget, produces the evidence.
+
+## Features
+
+- **Payment rails** (v1.0.0b4 — parity with TS v1.6.x): `MockRail` + `StripeRail` with manual-capture two-phase commit, threading-safe capture race-protection, idempotency-key forwarding
+- **Cognitive Memory**: Ebbinghaus decay, Hebbian reinforcement, auto-scoring, Layer 2 semantic recall + RL feedback
+- **Micropayments**: escrow-based charges with volume-tiered fees (1.9% / 1.5% / 1.0%)
+- **Agent FICO**: agent credit scoring (300-850 range; not consumer FICO, not FCRA-regulated)
+- **Behavioral Finance**: prospect theory, cooling-off periods, regret prediction
+- **Merkle Integrity**: SHA-256 tamper detection for agent memory
+- **Anomaly Detection**: EWMA streaming detector, behavioral fingerprinting, canary honeypots
+- **Commerce**: autonomous shopping engine with mandates + escrow
+- **Circuit Breaker**: AIMD rate limiting, anti-gaming, PSI drift detection
+- **Stdlib core**: zero required dependencies — peer-deps only when you opt in (e.g. `stripe`)
+- **Python 3.9+**: full type hints, dataclasses, sync API (matches the rest of the SDK)
+
+## Modules
+
+| Module | Class | Description |
+|--------|-------|-------------|
+| `mnemopay.core` | `MnemoPay` | Memory + payments + reputation |
+| `mnemopay.rails` | `PaymentRail`, `MockRail`, `StripeRail` | Payment rail abstraction (v1.0.0b4) |
+| `mnemopay.fico` | `AgentFICO` | Credit scoring (300-850) |
+| `mnemopay.behavioral` | `BehavioralEngine` | Behavioral finance tools |
+| `mnemopay.integrity` | `MerkleTree` | SHA-256 tamper detection |
+| `mnemopay.anomaly` | `EWMADetector`, `BehaviorMonitor`, `CanarySystem` | Anomaly detection |
+| `mnemopay.commerce` | `CommerceEngine`, `CommerceProvider`, `Mandate` | Autonomous shopping |
+| `mnemopay.circuit_breaker` | `CircuitBreaker`, `AIMDRateLimiter`, `AntiGamingEngine`, `PSIDriftDetector` | Adaptive defense |
+
+## Payment rails (v1.0.0b4)
+
+Mirrors the TypeScript `PaymentRail` interface. Same shape (`create_hold` / `capture_payment` / `reverse_payment`), same drop-in-swap semantics. Sync API to match the rest of the Python SDK — no asyncio.
+
+```python
+from mnemopay.rails import StripeRail, MockRail, HoldOptions
+
+# Default — no infra, in-memory ledger, used in tests + dev
+rail = MockRail()
+
+# Production — real Stripe PaymentIntents with manual-capture two-phase commit
+rail = StripeRail(secret_key="sk_test_...")
+
+# Two-phase commit (hold → capture)
+hold = rail.create_hold(
+    amount=25.00,
+    reason="Monthly access",
+    agent_id="agent-1",
+    opts=HoldOptions(
+        customer_id="cus_real",
+        payment_method_id="pm_real",
+        off_session=True,
+        metadata={"idempotencyKey": "req_abc"},
+    ),
+)
+capture = rail.capture_payment(hold.external_id, 25.00)
+# capture.status == "succeeded"
+# capture.receipt_id == "ch_..."  # Stripe charge id
+
+# Or reverse (cancel the hold) instead of capturing
+rail.reverse_payment(hold.external_id, 25.00)
+```
+
+`StripeRail` includes onboarding helpers for off-session charges:
+
+```python
+result = rail.create_customer("user@example.com", name="Jerry O")
+# {"customer_id": "cus_..."}
+
+result = rail.create_setup_intent(customer_id="cus_...")
+# {"setup_intent_id": "seti_...", "client_secret": "..."}
+```
+
+For tests, inject a mock client:
+
+```python
+from unittest.mock import MagicMock
+rail = StripeRail.from_client(MagicMock(), currency="usd")
+```
+
+## Compatibility with `@mnemopay/sdk` (TypeScript)
+
+| Feature | TypeScript v1.6.0-alpha.1 | Python v1.0.0b4 |
+|---|---|---|
+| `MockRail` | yes | yes |
+| `StripeRail` | yes | yes |
+| `PaystackRail` | yes | not yet |
+| `LightningRail` | yes | not yet |
+| `StripeMPPRail` (alpha) | yes | not yet |
+| `X402Rail` (alpha) | yes | not yet |
+| `GoogleAP2Rail` (alpha) | yes | not yet |
+| Charter / FiscalGate / Article 12 (governance) | yes | not yet |
+| Agent Credit Score | yes | yes |
+| Behavioral Finance | yes | yes |
+| Merkle integrity | yes | yes |
+| Anomaly detection (EWMA + canary) | yes | yes |
+| Commerce engine | yes | yes |
+| Circuit breaker | yes | yes |
+
+The Python SDK ships behind the TypeScript SDK — port priorities track agent-developer demand. Open an issue if you need a specific rail or governance primitive in Python.
+
+## Tests
+
+```bash
+pip install -e ".[dev,stripe]"
+pytest                    # 422 tests across 9 modules
+pytest tests/test_rails.py -v   # 29 rail-specific tests
+```
+
+## License
+
+**v1.0.0+ is Apache License 2.0** — see [LICENSE](LICENSE) and [NOTICE](NOTICE).
+
+The pre-release betas (`1.0.0b1` through `1.0.0b4`) shipped under the MIT
+License and remain available under those terms on PyPI in perpetuity. If
+you depend on the MIT terms specifically, pin to `mnemopay==1.0.0b4`.
+
+Why Apache 2.0 at the stable cut: alignment with the canonical TypeScript
+SDK at [`@mnemopay/sdk`](https://www.npmjs.com/package/@mnemopay/sdk) plus
+the patent grant + retaliation clause for enterprise embedders.
+
+Copyright 2026 J&B Enterprise LLC.