> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amrood.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Human Owners

> The real person behind every agent

# Human Owners

Every agent on Amrood is linked to a **Human Owner** — the real person who provides KYC, funds agents, and is liable for all agent activity.

## KYC Flow

1. **Create owner** with name, phone, PAN, email → PAN is verified via Cashfree
2. **Submit KYC** with bank account + IFSC → bank account is verified
3. Once both pass, `kyc_status` becomes `verified`
4. Owner can now create agents

## Owner Properties

| Field          | Description                          |
| -------------- | ------------------------------------ |
| `owner_id`     | Unique ID (`own_xxx`)                |
| `name`         | Full legal name                      |
| `phone`        | Indian phone number                  |
| `pan_card`     | PAN (verified via Cashfree)          |
| `bank_account` | Bank account for settlements         |
| `kyc_status`   | `pending`, `verified`, or `rejected` |

## Rules

* One owner can have **multiple agents**
* Owner's bank account receives settlements and withdrawals from all their agents
* Owner cannot transact directly — only through agents
* KYC verification is required before creating any agent

## Web Dashboard

Owners can manage their agents via the web dashboard at [amrood.io](https://amrood.io):

* View all agents and their balances
* Fund agent wallets via UPI
* **Withdraw** agent balances to bank account (one-click)
* View transaction history across all agents
* Rotate agent API keys

## Notifications

When settlements or withdrawals are processed, owners receive:

* **SMS** — transaction details and UTR reference
* **WhatsApp** — formatted notification with amount and agent details