🚨 — days until EU AI Act Article 50 applies (2026-08-02). → A50 Emergency Retrofit — 5-day deploy, €15k flat · limited engagements  ›
Release candidate · working governance implementation under review · Open spec v0.1.2

The Governance Layer for Agentic Payments.

Register an AI actor. Bind it to a principal’s mandate. Evaluate each transaction intent against versioned policy. Preserve the decision and its evidence. MNNR returns deterministic allow or deny outcomes with reason codes, audit events, signed webhooks, and reconstructable evidence exports.

Actor identity Mandate + policy Decision evidence
Contact sales View API docs Read the spec Compliance brief (PDF)

MNNR is not a processor, wallet, payment rail, law firm, or certification body. It is the control and evidence layer between an AI actor’s requested action and the infrastructure that executes it.

Article 50 transparency obligations apply from August 2, 2026, subject to exceptions. PSD3/PSR final implementation details pending legislative completion. MNNR is not a law firm; not legal advice.

Register actorIDENTITY Bind mandateAUTHORITY Evaluate intentALLOW / DENY Export evidenceAUDIT
A50 Emergency Retrofit · SKU

Five-day Article 50 readiness sprint.

Cryptographically bound AI-actor self-ID, mandate binding, append-only ledger export, EU data-residency controls. Targeted to go live before the 2026-08-02 applicability date.

Article 50 applies 2026-08-02 · see countdown
€15,000
Flat fee. 5-day deploy. No retainer.
Request quote · legal@mnnr.app → See full A50 scope & FAQ →
EU AI Act Art. 50 PSD3 / PSR eIDAS · GDPR NSPM-11 alignment ML-KEM-768 / ML-DSA SOC 2 (Type I target)

The layer above the rails.

June 2–8, 2026 settled the agentic-payment rail question. Visa Agentic Ready named its EU bank cohort at Money20/20 Europe. PayPal shipped UK agentic checkout with Hey Savi + Debenhams. Google’s Universal Commerce Protocol was endorsed by Adyen, Amex, Mastercard, PayPal, Stripe, Visa, and Worldpay. Amazon launched Bedrock AgentCore Payments. Crossmint shipped Agentic Cards API with Visa, Mastercard, and Amex on the roadmap. The rails are picked.

What no rail ships: the governance layer above it. Article 50 self-identification. PSD3/PSR-aligned controls. Audit trail designed to support financial-services supervisory review. Post-quantum cryptography. Policy enforcement designed to support a regulator’s on-site exam. That is what mnnr is.

Compatible with every rail.

mnnr is rail-neutral by design. Whatever agentic-payment rail your bank, PSP, or AI platform has already committed to — we sit above it and provide the policy, governance, and audit layer your regulator is likely to ask for.

Visa Agentic Ready Roadmap EU bank cohort per Visa’s Money20/20 Europe announcements (Amsterdam, 6/3–6/8/26): Barclays, HSBC UK, Revolut, Santander, Commerzbank, Nexi, Raiffeisen, Nationwide, Erste, Piraeus, Millennium BCP. See Visa press materials for the authoritative cohort list.
Mastercard Agent Suite Roadmap Tokenization + Agent Pay + Trust Center integration path. Co-located with mnnr’s ML-DSA signing primitives.
Stripe Link for Agents Roadmap Agent-initiated checkout via Link. mnnr supplies the consent record, the Art. 50 tag, and the dispute-audit export.
PayPal Agentic Checkout (Hey Savi) Roadmap Live in UK with Debenhams since 2026-06-02. mnnr layers Article 50 self-ID and merchant-side audit.
Crossmint Agentic Cards Roadmap Live API since 2026-06-02. Crossmint issues the card primitive; mnnr enforces the policy layer above.
AWS Bedrock AgentCore Payments Roadmap x402 + USDC + Coinbase + Stripe substrate. mnnr provides the supervisory wrapper for regulated deployers.
Adyen Roadmap Adyen owns the rail; mnnr ships the compliance layer their bank customers will demand. See call-out below.
Google Universal Commerce Protocol Roadmap Endorsed by Adyen, Amex, Mastercard, PayPal, Stripe, Visa, Worldpay. mnnr is the policy enforcement profile above UCP.

Status is honest: “Roadmap” means a planned or conceptual integration — no working integration is claimed. No partnership claim is fabricated.

Three pillars, one verifiable record.

A governance stack designed against the actual regulatory text — not vendor marketing. Each pillar maps to a regulator’s checklist your engineering team can hand back, signed.

A50

Article 50 Self-ID

Every agent transaction tagged with a verifiable AI-actor disclosure. Cryptographically bound to the agent’s scope, the principal’s mandate, and the merchant’s acceptance record. Designed to help satisfy EU AI Act Article 50 transparency obligations before applicability.

Target: live before 2026-08-02
P3

PSD3 / PSR Policy Enforcement

SCA, recurring-mandate controls, fraud-liability allocation, and dispute-audit trail — the controls PSD3 + the Payment Services Regulation require, applied to agentic flows your existing rail does not natively police. Plugs in above Visa, MC, Stripe, PayPal, Crossmint, AgentCore.

PSD3 OJ publication: Jun–Sep 2026
PQ

Post-Quantum (in implementation) + Supervisory-Review-Ready Audit Verifiable · verify →

ML-KEM-768 key encapsulation, ML-DSA signatures, immutable transaction-policy log, append-only ledger exportable to BigQuery, Snowflake, and Postgres. Designed to support supervisory audit review by regulated financial entities. NIST-standardized primitives (ML-KEM-768, ML-DSA-65); CNSA 2.0 trajectory. Public keys and a signed genesis attestation (v1.2) are published at /crypto — independently verifiable with the included verify script.

Post-quantum primitives under implementation

Who it serves.

Buyers who already picked their agentic rail and now need the policy layer their regulator, their dispute desk, and their board will demand.

Primary

EU Banks & PSPs

Adyen, Mollie, Worldline, Nexi, and the BaFin-supervised cohort building toward agentic commerce. PSD3/PSR-ready, Art. 50-ready, audit-ready.

Secondary

Federal contractors & agencies

NSPM-11 alignment. FedRAMP path. SAM.gov ACTIVE — UEI UHP9VKN8FX99, CAGE 224V3, federal award-eligible. SDVOSB verification with SBA VetCert is in preparation and not yet complete; no set-aside eligibility is claimed. For GSA, DoD DIU, AFWERX, VA AI deployments.

Tertiary

Enterprise agentic deployers

Anyone running agentic checkout, B2B agent procurement, or AI-driven SaaS billing — who needs to prove the agent didn’t exceed its mandate when finance asks.

Designed for buyers standing up agentic-commerce teams right now.

European PSPs and acquirers are staffing dedicated agentic-commerce leadership in Amsterdam, London, New York, and San Francisco — Adyen, Worldpay, and Stripe among them. The buyer organization is forming in real time. The rails ship checkout; MNNR ships the compliance layer their bank and enterprise customers will demand under PSD3/PSR + BaFin supervision. We are ready for the pilot conversation when the team is.

€5,000 / month

Pilot partners wanted — 3 EU slots, Q3 2026

90-day onboarding, white-glove. Three EU banks, PSPs, or issuers building toward agentic commerce in 2026–2027. Direct founder access to MNNR LLC. Art. 50 self-ID integration, PSD3/PSR controls overlay against your rail of choice, post-quantum audit export.

Request pilot conversation Download EU brief
Price€5,000 / month
Term90-day onboarding
Cohort3 EU slots, Q3 2026
AccessDirect founder line

Three briefs for three buyers.

Each PDF is the artifact you can hand to your procurement, risk, or InfoSec lead in the first conversation. All three load in your browser, all three are signed under MNNR LLC.

EU Banks · PSPs · Issuers

EU Brief — the governance layer

Lead with the 6/2–6/8 Money20/20 Europe convergence. Art. 50 + PSD3/PSR obligation map. The mnnr governance stack. Pilot structure for design partners. For Heads of Embedded Finance, PSP Product, Acquirer Risk, and AI Platform Payments leads.

Download EU brief (PDF)
US Federal

Federal Brief — NSPM-11 + SDVOSB

NSPM-11 plain-English summary (signed 2026-06-05, verified primary against whitehouse.gov). Cross-vendor governance for GSA/DoD/VA agentic-payment rails. Post-quantum (ML-KEM-768 / ML-DSA). Veteran-owned pilot structure; SDVOSB verification with SBA VetCert is in preparation and not yet complete; no set-aside eligibility is claimed. For program managers and contracting officers.

Download federal brief (PDF)
Engineering · Compliance

Compliance Brief — 6-week checklist

Article 50 applies 2026-08-02. Plain-English obligations summary. PSD3/PSR controls overlay. A 14-point engineering checklist your team can run against your current agentic deployment. The artifact for the engineer reading this.

Download compliance brief (PDF)

Authored by MNNR LLC. Briefs v2 under counsel review. Page updated 2026-07-24.

Regulated by design.

European-first. US federal-ready. Built against the actual regulatory text, not vendor talking points.

EU posture · first

  • EU AI Act Article 50Transparency + self-identification obligations for AI actors in commerce flows. Applicability date: 2026-08-02.
  • PSD3 / PSRSCA, fraud-liability allocation, recurring-mandate controls, dispute audit. OJ publication June–September 2026.
  • eIDASIdentity assurance level routing for Article 3 services. Compatible with EUDI Wallet trajectory.
  • GDPR data residencyData-residency controls available for EU customer deployments. Article 27 representative appointment under review.
  • DORAICT third-party risk reporting hooks for in-scope financial entities.
  • BaFin “Risks in Focus” 2026AML/CFT for agent networks + self-hosted wallets. mnnr is the supervisory wrapper.

Security posture · in flight

  • NSPM-11 alignmentNational-security guardrails for federal agentic AI deployments. Signed 2026-06-05. mnnr is the cross-vendor policy layer.
  • Post-quantumML-KEM-768 key encapsulation, ML-DSA-65 signatures. NIST-standardized. CNSA 2.0-aligned. Keys published at /crypto →
  • SOC 2 Type IReadiness planning in progress; target window Q4 2026 subject to auditor engagement.
  • ISO 27001Controls mapping in build. Track-to-certification 2027.
  • EncryptionAt-rest AES-256, in-transit TLS 1.3, optional CMEK for enterprise tier.
  • Append-only ledgerCryptographically signed events. Exportable to BigQuery / Snowflake / Postgres.

The questions a buyer asks.

Direct answers to what a Head of Embedded Finance, an Acquirer Risk lead, or a federal contracting officer raises in minute three of the first call.

Are you a payment rail? A processor? A wallet?

No. mnnr is the governance layer above the rails. You keep your Visa Agentic Ready, your Mastercard Agent Suite, your Stripe Link, your PayPal, your Crossmint, your AgentCore. mnnr supplies the policy enforcement, the Art. 50 self-ID, the PSD3/PSR controls overlay, and the audit trail above whatever you already chose.

What does the EU AI Act Article 50 actually require us to do by August 2?

Self-identification + transparency. Article 50 obligates AI systems interacting with natural persons or executing in commerce flows to disclose their AI status to the human counterparty. For agentic payments, this means every agent-initiated transaction must carry a verifiable AI-actor tag. mnnr embeds that tag, cryptographically binds it to the agent’s mandate scope, and persists it in the audit trail. Detailed checklist in the compliance brief above.

How are you different from Crossmint?

Crossmint issues the card primitive — Agentic Cards API live since 2026-06-02, with Visa, Mastercard, and Amex on the roadmap. mnnr does not issue cards. mnnr sits above whatever issuer-side primitive you chose (Crossmint included) and enforces the policy layer your regulator will audit you against: Art. 50 self-ID, PSD3/PSR controls, post-quantum audit trail. We co-position with Crossmint, not against it.

How are you different from AWS Bedrock AgentCore Payments?

AgentCore orchestrates the agent and handles the payment substrate — x402 protocol, USDC, Coinbase, Stripe. It is the agentic-payment engine. What it does not ship is the supervisory wrapper a regulated deployer needs. mnnr is that wrapper: cross-vendor policy enforcement, Article 50 transparency tagging, audit export designed to support supervisory review. AgentCore runs the rail; mnnr makes it safe for a bank to deploy.

What does the pilot cost?

€5,000 / month for design partners. 90-day onboarding, white-glove. Three-bank cohort cap for Q3 2026, then we scale. Pilot includes Art. 50 self-ID integration, PSD3/PSR controls overlay against your rail of choice, post-quantum audit export, and direct founder access (MNNR LLC).

Are you a real company? Who owns the IP?

MNNR LLC, Wyoming domestic, EIN 33-3678186, formed 2025-02-27. Founder MNNR LLC. Veteran-owned. SAM.gov ACTIVE (UEI UHP9VKN8FX99 · CAGE 224V3) — federal award-eligible; SDVOSB verification with SBA VetCert is in preparation and not yet complete; no set-aside eligibility is claimed. All IP authored for MNNR LLC is owned by MNNR LLC under a confirmatory assignment executed 2026-07-25, effective as of formation; the founder retains no right, licence, lien, or encumbrance. Article 27 representative appointment under review for GDPR scope.

Why post-quantum now?

NIST standardized ML-KEM-768 and ML-DSA in 2024. CNSA 2.0 mandates federal post-quantum migration by 2030–2033, with critical systems targeted earlier. Long-retention audit logs need to be cryptographically verifiable for ten-plus years. The audit trail you sign today must still be unforgeable in 2035. Building on classical RSA/ECDSA in 2026 is the premature decision, not the other way around. Our ML-KEM-768 + ML-DSA-65 public keys, fingerprints, and signed genesis attestation are published at /crypto for independent verification (run crypto/verify.mjs).

Not ready to buy? Stay in the loop.

Updates only. Drop your email if you want to track product releases, regulator-side movement on Art. 50 / PSD3 / PSR, and our pilot cohort. No sales follow-up unless you ask.

Ready to buy or try the API?  Sign in to the live dashboard · or request an enterprise agreement (legal@mnnr.app).

No spam. One human reads each submission — MNNR LLC, founder. Updates <1×/week.