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Agent Wallets

Every agent has a wallet — a balance of real INR that the agent can spend within its policies.

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How Funding Works

  1. Call POST /v1/agents/{id}/fund with an amount and payment method
  2. You receive a payment_session_id and payment link
  3. The human owner completes the payment (UPI, card, netbanking)
  4. Cashfree processes the payment and splits 100% to the agent’s vendor
  5. Amrood receives the webhook, credits the agent’s balance

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Balance Model

{
  "available": 8500.00,
  "total_funded": 50000.00,
  "total_spent": 41500.00
}
  • available — current spendable balance
  • total_funded — lifetime funding received
  • total_spent — lifetime amount spent (including fees)

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Agent-to-Agent Transfers

On-network transfers between agents use Cashfree Easy Split adjustments:
  • DEBIT adjustment on the sender’s vendor
  • CREDIT adjustment on the receiver’s vendor
  • Instant, near-zero cost (0.5%, min ₹1)

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Withdrawals

Agents and owners can withdraw funds back to the owner’s bank account at any time:
  • Via API: POST /v1/agents/{id}/withdraw
  • Via MCP: amrood_withdraw tool
  • Via Dashboard: Click the Withdraw button on amrood.io
Withdrawals are processed via Cashfree vendor settlement. Funds arrive in the owner’s bank account within 1-2 business days. See Withdrawals for full details.

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Settlement (T+2 with Zero-Out)

Unused agent balances are automatically settled to the owner’s bank account on a T+2 schedule — two business days after the funds are received.
When Cashfree settles a vendor’s balance, all agent balances under that vendor are zeroed out. This is because the escrowed funds backing those balances have been transferred to the owner’s bank account. Agents need to be funded again after settlement to continue transacting.

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How settlement works

  1. Cashfree auto-settles the vendor’s accumulated balance on T+2
  2. Amrood receives the VENDOR_SETTLEMENT_SUCCESS webhook
  3. All agents under that vendor have their balance_cache set to ₹0
  4. A settlement transaction is recorded for each agent
  5. The owner receives SMS and WhatsApp notifications with the settlement amount and UTR

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Why zero-out?

The agent’s balance_cache represents funds held in Cashfree’s escrow. Once those funds are settled to the owner’s bank, the escrow backing is gone. Showing a non-zero balance would create “phantom money” — a balance with no real backing. Zeroing out keeps the ledger honest.