Sits above Visa Agentic Ready, Mastercard Agent Suite, Stripe Link for Agents, PayPal Agentic Checkout, Crossmint Agentic Cards, AWS Bedrock AgentCore Payments, Adyen, and Google’s UCP. Enforces EU AI Act Article 50, PSD3/PSR, and bank-grade audit on every agent transaction. Rail-neutral, policy-opinionated.
“Your bank, PSP, or issuer already chose its agentic rail. We make it Article 50 + PSD3/PSR compliant before August.”
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 controls. BaFin/EBA-grade audit trail. Post-quantum cryptography. Policy enforcement that survives a regulator’s on-site exam. That is what mnnr is.
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 enforce the policy, compliance, and audit layer your regulator will ask for.
Status is honest: “Integration roadmap” means engineering in progress; “Interest accepted” means initial buyer-side conversations underway. No partnership claim is fabricated.
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.
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. Built to satisfy EU AI Act Article 50 transparency obligations before applicability.
Live before 2026-08-02SCA, 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 2026ML-KEM-768 key encapsulation, ML-DSA signatures, immutable transaction-policy log, append-only ledger exportable to BigQuery, Snowflake, and Postgres. Designed to satisfy BaFin, EBA, FDIC, and OCC supervisory scrutiny. NIST-standardized; CNSA 2.0 trajectory. Real keys + signed genesis attestation are live at /crypto.
Quantum-safe by defaultBuyers who already picked their agentic rail and now need the policy layer their regulator, their dispute desk, and their board will demand.
Adyen, Mollie, Worldline, Nexi, and the BaFin-supervised cohort building toward agentic commerce. PSD3/PSR-ready, Art. 50-ready, audit-ready.
NSPM-11 alignment. FedRAMP path. SDVOSB-eligible (MNNR LLC, SAM.gov registration in progress). For GSA, DoD DIU, AFWERX, VA AI deployments.
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.
Adyen opened a second EU agentic-commerce role in Amsterdam this month, in addition to the existing NY/SF Commercial Lead, Agentic Commerce. The buyer organization is forming in real time. Adyen ships the rail; mnnr ships the compliance layer Adyen’s bank and enterprise customers will demand under PSD3/PSR + BaFin supervision. We are ready for the pilot conversation when the team is.
90-day onboarding, white-glove. Three EU banks, PSPs, or issuers building toward agentic commerce in 2026–2027. Direct founder access to TOHID NAEEM. Art. 50 self-ID integration, PSD3/PSR controls overlay against your rail of choice, post-quantum audit export.
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.
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)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). SDVOSB-eligible pilot structure. For program managers and contracting officers.
Download federal brief (PDF)Six weeks to Article 50 applicability. 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 TOHID NAEEM, founder, MNNR LLC. Updated 2026-06-08.
European-first. US federal-ready. Built against the actual regulatory text, not vendor talking points.
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.
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.
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.
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.
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, BaFin/EBA-grade audit export. AgentCore runs the rail; mnnr makes it safe for a bank to deploy.
€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 (TOHID NAEEM).
MNNR LLC, Wyoming domestic, EIN 33-3678186, formed 2025-02-26. Founder TOHID NAEEM. Decorated disabled veteran-owned. SDVOSB-eligible, SAM.gov registration in progress. All IP is owned by MNNR LLC; no founder-side encumbrance. Article 27 EU representative on file for GDPR.
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. Bank-grade 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 live ML-KEM-768 + ML-DSA-65 public keys, fingerprints, and signed genesis attestation are published at /crypto for independent verification.
Three EU banks, PSPs, or issuers building toward agentic commerce in 2026–2027. €5,000 / month, 90-day onboarding, white-glove. Direct founder access. If that is you, we want to talk.
Need Article 50 compliance before 2026-08-02? The A50 Emergency Retrofit is a 5-day, €15k flat-fee SKU — uncapped through July 15, 2026.
No spam. One human reads each submission — TOHID NAEEM, founder. Reply within two business days.