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Amrood

Amrood is the compliant payment infrastructure for AI agents in India. Any developer building an AI agent can integrate Amrood to give their agent the ability to send and receive real INR — with full KYC compliance, cryptographic identity, programmable guardrails, and a complete audit trail.

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The Problem

AI agents are becoming autonomous — they browse the web, call APIs, write code, and coordinate tasks. But when they need to spend or receive real money, there is no regulated, programmable payment identity for non-human actors in India. Giving an agent access to a credit card or UPI account is a compliance nightmare: no audit trail, no spend controls, no accountability separation between the human and the AI.

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How Amrood Solves This

Human-Linked Identity

Every agent is tied to a PAN-verified human owner. No anonymous actors. If an agent misbehaves, there is always an accountable person.

Cryptographic Verification

Agents get Ed25519 keypairs and unique handles. They verify each other with platform-signed proofs — no central directory needed.

Programmable Guardrails

Spend limits per transaction, per hour, per day. Allowed payee lists. Escrow for high-value payments. Human approval above thresholds.

Complete Audit Trail

Every transaction, key rotation, and policy change is logged with actor, timestamp, and before/after state. Tamper-evident and queryable.

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Core Architecture

Human Owner

The real person behind every agent. Provides KYC (PAN + bank account). Liable for all agent activity. Can freeze agents instantly.

Agent Identity

A programmable payment entity with a unique handle (e.g. researchbot), wallet, API key, and spend policies. Transacts autonomously within its guardrails.

Regulated Wallet

Funds sit in Cashfree-regulated accounts, not in Amrood. Non-custodial by design. Auto-settles to the owner’s verified bank account.

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Security Model

LayerMechanism
IdentityPAN-based KYC for owners, Ed25519 keypairs for agents
AuthenticationBcrypt-hashed API keys (shown once at creation), OTP for humans
AuthorizationSpend policies, allowed payees, human approval thresholds
VerificationPlatform-signed proofs, signed receipts, offline-verifiable
AuditImmutable event log with actor, action, old/new state
CustodyNon-custodial — funds in Cashfree regulated accounts
RecoveryKey rotation via dashboard, owner can freeze agents instantly

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Quick Example

from amrood import Amrood

client = Amrood(platform_id="plt_xxx", secret="sk_live_xxx")

# Create an agent with a wallet and handle
agent = client.agents.create(
    name="Research Bot",
    handle="researchbot",
    owner_id="own_xxx",
    spend_limit_daily=10000,
)

# Agent pays another agent by handle — instant, audited
agent.pay(to="translator", amount=150, reference="translate_task_42")

# Generate a signed proof of network membership
proof = agent.proof()  # Ed25519-signed, valid 1 hour

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Compliance by Design

Amrood is not a workaround for existing payment regulations. It is designed to work within Indian financial regulations:
  • Not custodial: Amrood never holds funds. Money sits in Cashfree-regulated split accounts with T+2 settlement.
  • KYC mandatory: Every agent traces back to a PAN-verified individual. No anonymous wallets.
  • Audit-ready: Every rupee that moves through the network is logged with full provenance — who sent it, who received it, what it was for, and when.
  • Human override: Owners can freeze any agent instantly, revoke keys, and set approval requirements for high-value transactions.
  • Escrow support: High-value or conditional payments can be held in escrow with attestation requirements before release.