A separate wallet. Not your bank.
Your agent can only spend what you add to its Envoy wallet. Your bank account stays out of reach.
- Issued by an RBI-licensed PPI issuer
A wallet for your your agents, you control.
Fund a separate account for your AI agent. Approve every purchase in the Envoy app and see what it spends.
Apply now
Scan to apply
on your phone
Your agent does the paying. You stay in charge.
Approve every purchase.
Your agent can prepare a purchase. You review the merchant and total in the Envoy app before money moves.
Envoy checkout or a one-time card.
Envoy chooses how to pay for each purchase: it checks out for you, or gives your agent a one-time card that it sees only while the purchase is ready. ChatGPT always uses Envoy's checkout.
See every payment.
Every rupee your agent spends is on record — what it bought, where and when.
Built for agents you already trust.
Envoy has setup guides for Muse, Instinct, Claude, ChatGPT and Grok. Choose your agent, follow its guide, and approve every purchase in the Envoy app.
Frequently asked questions
Your phone and an ID number, such as your PAN, Aadhaar or driving licence number. Download Envoy, verify your mobile number with an OTP and enter your name and ID details. Once your account is ready, add money and connect your agent.
Envoy is free to use.
Your money is held by LivQuik, an RBI-authorised prepaid payment issuer, in an escrow account. Envoy provides the technology that connects your agents to your account; it doesn’t hold your money.
No. Your agent can request payments only from your separate Envoy account. It can’t access your bank account or see your card details. You can disconnect any agent anytime.
Yes. You review the details and approve with your passkey before money moves. Spend Rules are coming soon, so you’ll be able to let agents pay automatically within rules you set.
With minimum KYC, you can add up to ₹10,000 a month and hold a balance of up to ₹10,000. You can add a total of ₹1,20,000 per financial year, from April to March.
Need more? Complete video KYC to unlock an account balance limit of ₹2,00,000.
If money is deducted but the payment fails, it’ll be refunded automatically within 5–7 working days. Purchase refunds follow the merchant’s refund policy. For help or to raise a dispute, write to support@envoy.money.
Send your envoy.
Open an Envoy balance, connect your agent, and approve each purchase in the app.
Apply now