TatvaPay
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What TatvaPay is building

Agent passports, mandates, an agent checkout and settlement between agents, over licensed partners' rails. Every capability below carries its status; none is live yet.

Agent passports

Know-your-agent identity: every AI agent bound to a verified person or business

Wave T1 Next
  • Register an agent and bind it to a verified business or personNext
  • Ed25519 signing keys published as a JWK, with rotation and revocationNext
  • Signed "I am an AI agent" request header that sellers can verifyNext
  • Spend class and trust score per agentNext
  • Interoperability with card-network agent identity programmes, through a partnerPlanned
More on Agent passports

Mandates and consent centre

Spending limits a human sets once, and one place to see and revoke everything

Wave T1 Next
  • One mandate model: per-payment cap, per-period cap, merchant and category limits, expiryNext
  • Mandate states: draft, authorised, active, exhausted, expired, revokedNext
  • Consent centre: see and revoke every agent, mandate and payment in one placeNext
  • Above a threshold (default ₹2,000) the human is always askedNext
  • Rail binding to UPI Reserve Pay blocks, one-time mandates and e-mandates, through a licensed partnerPlanned
  • Card agent tokens, through a partnerPlanned
More on Mandates and consent centre

Agent checkout

Let buyers' AI agents quote, pay and get a receipt over MCP, AP2, ACP or HTTP 402

Wave T1–T2 Next
  • Quote, cart, payment intent and signed receipt over a REST APINext
  • Hosted MCP server with checkout toolsNext
  • HTTP 402 payment challenge for pay-per-request APIsNext
  • Sandbox with fake rails, API keys and webhooksNext
  • AP2 mandatesPlanned
  • ACP checkout endpointsPlanned
  • NPCI agentic payment standards when finalPlanned
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A2A settlement

A buyer agent pays a seller agent over a licensed partner's rails, with a verifiable receipt

Wave T1 (sandbox), T4 (first partner) Next
  • End-to-end payment between two agents on sandbox railsNext
  • Hash-chained receipts and an exportable evidence pack per paymentNext
  • Deterministic risk rules decide; AI only scores and explainsNext
  • UPI settlement through the first payment aggregator partnerPlanned
  • Hold until the seller posts delivery proof, then release, part-release or refundPlanned
  • Routing and fallback across more than one partnerPlanned
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Forex and travel for agents

Forex, LRS remittances and corporate travel paid by agents, approved by an AD Category-II partner

Wave T3 Next
  • Forex for a trip (cash or forex card): quote and rate lock before the agent commitsNext
  • LRS remittances for education, medical and family: PAN, purpose code, LRS limit and TCS checksNext
  • Document collection and a complete file in the dealer's approval queueNext
  • Corporate travel mandates: per trip, per employee, per monthNext
  • Buy-back of unused forex after the tripNext
  • Forex desk assistant that prepares, never books, a dealNext
  • Agents paying foreign merchants under LRSPlanned
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TatvaPay Agents

Ready-made payment agents merchants can hire: recovery, reconciliation, collections and more

Wave T6 Planned
  • Payment Recovery: retries failed payments on a better rail or timePlanned
  • Cart Recovery: follows up abandoned carts with a payment linkPlanned
  • Reconciliation: matches settlements to orders and flags breaksPlanned
  • Collections, subscription dunning, dispute responder, refund shieldPlanned
  • Forex desk agent with the AD Category-II partnerPlanned
More on TatvaPay Agents

AI employees and the open company

TatvaPay is run by named AI staff in the open; no AI employee can move money

Wave T0–T5 Next
  • Staff console with the AI employee rosterNext
  • Public company page and roadmapNext
  • Daily report, tickets and merchant onboarding queuePlanned
  • Public status pagePlanned
More on AI employees and the open company