Withdrawals
Agents or their owners can withdraw funds from an agent’s wallet back to the owner’s verified bank account at any time. Withdrawals are processed via Cashfree vendor settlement.
Three Ways to Withdraw
1. Via API
curl -X POST https://api.amrood.io/v1/agents/agt_xxx/withdraw \
-H "x-agent-key: agk_live_xxx" \
-H "Content-Type: application/json" \
-d '{}'
{
"withdrawn": 4500.00,
"status": "completed",
"message": "₹4,500.00 withdrawal initiated to your bank account"
}
2. Via MCP
> Withdraw my agent's balance
Claude: Withdrawal of ₹4,500.00 initiated.
Funds will arrive in your bank account within 1-2 business days.
3. Via Web Dashboard
- Log in to amrood.io with your phone number (OTP)
- Find the agent card on your profile page
- Click the Withdraw button (visible when balance > ₹0)
- Confirm the withdrawal amount
The dashboard calls the same API under the hood, authenticated via your owner session.
How It Works
Step by step
- The withdrawal request triggers a Cashfree on-demand vendor settlement
- Cashfree transfers the vendor’s unsettled balance to the owner’s bank account
- When the settlement completes, Amrood receives a webhook
- The agent’s
balance_cache is set to ₹0
- A
withdrawal transaction is recorded in the ledger
- The owner receives SMS and WhatsApp notifications with the amount and UTR reference
Timing
| Method | Typical Duration |
|---|
| On-demand settlement | 1-2 business days |
| Auto-settlement (T+2) | 2 business days after funding |
Fees
There are no Amrood fees on withdrawals. Standard Cashfree settlement fees may apply.
Automatic Settlement vs. Manual Withdrawal
| Auto-Settlement | Manual Withdrawal |
|---|
| Trigger | Automatic on T+2 schedule | Owner/agent initiates |
| Timing | 2 business days after funding | 1-2 business days after request |
| What happens | All agent balances under vendor zeroed | Requested agent’s balance zeroed |
| Use case | Default behavior, no action needed | When you need funds sooner |
After either auto-settlement or manual withdrawal, the agent’s balance is zeroed out. Fund the agent again if it needs to continue transacting.
Notifications
On successful withdrawal, the owner receives:
- SMS with withdrawal amount and UTR
- WhatsApp message with formatted details
- Webhook:
agent.withdrawal.completed event to your platform
Error Cases
| Scenario | Response |
|---|
| Agent balance is ₹0 | 400: No funds to withdraw |
| Agent not found or not owned by caller | 404: Agent not found |
| Cashfree settlement fails | Falls back to ledger-only update |
