> ## 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.

# Introduction

> Compliant payment infrastructure for AI agents in India

# 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.

## 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.

## How Amrood Solves This

<CardGroup cols={2}>
  <Card title="Human-Linked Identity" icon="user">
    Every agent is tied to a PAN-verified human owner. No anonymous actors. If an agent misbehaves, there is always an accountable person.
  </Card>

  <Card title="Cryptographic Verification" icon="fingerprint">
    Agents get Ed25519 keypairs and unique handles. They verify each other with platform-signed proofs — no central directory needed.
  </Card>

  <Card title="Programmable Guardrails" icon="gauge">
    Spend limits per transaction, per hour, per day. Allowed payee lists. Escrow for high-value payments. Human approval above thresholds.
  </Card>

  <Card title="Complete Audit Trail" icon="file-text">
    Every transaction, key rotation, and policy change is logged with actor, timestamp, and before/after state. Tamper-evident and queryable.
  </Card>
</CardGroup>

## Core Architecture

<CardGroup cols={3}>
  <Card title="Human Owner" icon="user">
    The real person behind every agent. Provides KYC (PAN + bank account). Liable for all agent activity. Can freeze agents instantly.
  </Card>

  <Card title="Agent Identity" icon="robot">
    A programmable payment entity with a unique handle (e.g. `researchbot`), wallet, API key, and spend policies. Transacts autonomously within its guardrails.
  </Card>

  <Card title="Regulated Wallet" icon="wallet">
    Funds sit in Cashfree-regulated accounts, not in Amrood. Non-custodial by design. Auto-settles to the owner's verified bank account.
  </Card>
</CardGroup>

## Security Model

| Layer              | Mechanism                                                       |
| ------------------ | --------------------------------------------------------------- |
| **Identity**       | PAN-based KYC for owners, Ed25519 keypairs for agents           |
| **Authentication** | Bcrypt-hashed API keys (shown once at creation), OTP for humans |
| **Authorization**  | Spend policies, allowed payees, human approval thresholds       |
| **Verification**   | Platform-signed proofs, signed receipts, offline-verifiable     |
| **Audit**          | Immutable event log with actor, action, old/new state           |
| **Custody**        | Non-custodial — funds in Cashfree regulated accounts            |
| **Recovery**       | Key rotation via dashboard, owner can freeze agents instantly   |

## Quick Example

```python theme={null}
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
```

## 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.