Payments Infrastructurefor theMachine Economy
The rail-neutral control plane that authorizes AI agent spend across Wero
Built for European digital sovereignty. Compliant with PSD3, MiCA, EUDIW, and GDPR from day one.
Rail-Neutral Architecture
One control plane. Every European payment rail. MNNR dynamically routes agent-initiated transactions to the optimal rail based on cost, speed, compliance, and merchant preference.
Wero
52.5M users across 13 EU countries by 2027. Account-to-account instant payments.
SEPA Instant
Mandatory EU-wide instant credit transfers. Sub-10-second settlement.
Qivalis
Euro stablecoin backed by 12 major European banks. Launching H2 2026.
Card Networks
Visa, Mastercard, and domestic schemes. Legacy compatibility layer.
Trust Primitives
Four foundational objects that govern every machine-initiated transaction in the European economy.
agent_id
Cryptographic identity binding an AI agent to its principal. EUDIW-compatible verifiable credential.
delegated_authority
Scoped permission grant defining what an agent can do, for whom, and until when. Revocable in real-time.
dynamic_budgets
Real-time spend envelopes with per-transaction, daily, and categorical limits. Auto-adjusting based on risk signals.
merchant_allowlists
Curated merchant registries defining where an agent is permitted to transact. Geo-fenced and category-restricted.
Everything to authorize autonomous agents
A complete authority infrastructure designed for the European machine economy. From AI agents to industrial IoT, we handle the complexity of multi-rail compliance.
Rail-Neutral Routing
Dynamically route agent transactions to the optimal European rail — Wero, SEPA Instant, Qivalis, or card networks — based on cost, speed, and compliance.
Learn moreAgent Authority Protocol
Cryptographic delegation framework defining what an AI agent can spend, where, and until when. Revocable in real-time with full audit trails.
Learn moreDynamic Budget Envelopes
Real-time spend controls with per-transaction, daily, and categorical limits. Auto-adjusting based on risk signals and merchant trust scores.
Learn moreEUDIW-Ready Identity
Agent credentials as verifiable presentations under eIDAS 2.0. Seamless integration with the EU Digital Identity Wallet ecosystem.
Learn moreSovereign Data Residency
All transaction data stays within EU borders. Privacy-by-design architecture with GDPR-native data minimization for agent metadata.
Learn moreCompliance Automation
Built-in PSD3 Strong Customer Authentication for agent flows. MiCA compliance for stablecoin rails. Automated regulatory reporting.
Learn moreJoin the pioneers building sovereign payment infrastructure for the European machine economy
Built for European regulation
Built from the ground up for the European regulatory framework. Not retrofitted — native.
PSD3 / PSR
AlignedPSD3/PSR-aligned payment-governance controls, including Strong Customer Authentication for agent-initiated flows. Final PSD3/PSR implementation details remain subject to legislative completion.
MiCA
By designDesigned to support Markets in Crypto-Assets (MiCA) requirements for euro-stablecoin rail integration via Qivalis and future digital-asset settlement.
EUDIW
In designDesigned to support identity-assurance routing compatible with the EUDI Wallet trajectory — agent credentials as verifiable presentations under eIDAS 2.0.
GDPR
By designPrivacy-by-design architecture with data minimization for agent transaction metadata. Data-residency controls available for EU customer deployments.
Why Rail-Neutral Wins
US-centric payment solutions were not designed for European digital sovereignty. MNNR was.
| Feature | MNNR | Stripe | Coinbase x402 |
|---|---|---|---|
| Rail-Neutral Routing | |||
| EU Sovereignty | |||
| Wero Native | |||
| PSD3 Native | Partial | ||
| Agent Authority Layer | Partial | ||
| Euro Stablecoin Ready | |||
| EUDIW Integration | |||
| EU Data Residency | Partial |
The European Moment
Seven parallel infrastructure initiatives are converging right now. The window to become the universal authority standard is 12-18 months.
Wero Expansion
52.5M users, online payments launch
Qivalis Launch
Euro stablecoin by 12 major banks
EUDIW Mandate
Legally mandated digital identity wallet
PSD3/PSR Enforcement
New payment services regulation
SEPA Instant Mandatory
All EU banks must support instant
Digital Euro
ECB central bank digital currency
Developer-First API
Rail-agnostic payment routing in a single API call. Let MNNR handle the complexity of European payment fragmentation.
import { MNNR } from '@mnnr/sdk';
const mnnr = new MNNR({ apiKey: 'sk_live_...' });
// Create an authorized agent payment session
const payment = await mnnr.payments.create({
agent_id: 'agent_eu_7x9k2m',
authority: 'auth_del_3f8n1p',
amount: 49_99,
currency: 'EUR',
rail_preference: 'auto', // Wero > SEPA > Card
merchant: 'mcht_de_berlin_9x2',
metadata: {
purpose: 'cloud_compute',
model: 'gpt-4-turbo',
},
});
// MNNR routes to optimal rail automatically
// Returns: rail selected, tx hash, compliance proof
console.log(payment);
// {
// id: 'pay_eu_8k3m2n',
// rail: 'wero',
// status: 'settled',
// settlement_time: '1.2s',
// compliance_proof: 'psd3_sca_verified',
// tx_hash: '0x7f3a...',
// }Build for the European Machine Economy
Join our design partner program. Shape the authority layer that will govern trillions in autonomous agent transactions across Europe.
Currently accepting European AI infrastructure companies and forward-thinking merchants.