Before your first purchase
The checklist of what must be true before an agent can buy with Envoy, and how to fix each missing item.
Read this page before you ask an agent to buy anything. It is for the account owner and for the agent that acts for them. It lists what must be true first. You know you are ready when every row below is satisfied and get_account lists purchase in services.
Support revision: envoy@2026-10. Last updated: 28 October 2026.
Checklist
| What must be true | If it is missing |
|---|---|
| The user is in India and pays in INR. Envoy is available in India only. | Stop. Envoy cannot buy for this user. Tell the user. |
| The user has an Envoy account (Envoy wallet) and the Envoy app. Envoy is free to use. | The user needs a phone and an ID number (PAN, Aadhaar or driving licence number). They download Envoy, verify their mobile number with an OTP, and enter their name and ID details. App store links are not published here; ask support at support@envoy.money. The user tells the agent when sign-in works. |
| The user has finished KYC (min-KYC or video KYC) in the Envoy app. Min-KYC: add up to ₹10,000 a month, hold up to ₹10,000, add up to ₹1,20,000 per financial year (April to March). Video KYC (full KYC): balance up to ₹2,00,000. | The user finishes KYC in the Envoy app. KYC processing time is not published here; ask support at support@envoy.money. The agent cannot check KYC, so the agent waits until the user says KYC is done. |
| The account has enough balance for a balance-funded purchase. A gift-card link uses the payment method the user chooses on that link. | The user adds money in the Envoy app, then connects the agent and tells the agent. The agent reads get_account again to see the new balance. |
| The host can connect: remote MCP with OAuth, a browser agent, or your own HTTP client. | The user picks a supported host in Connect your assistant, or the developer uses the HTTP API. The agent resumes when the connection reads the account. |
| The user has the Envoy app with a passkey. The user completes approval there when the returned task requires it. For a gift-card link, the user pays the link themselves. | The user sets up the passkey in the Envoy app. Setup steps are not published here; ask support at support@envoy.money. The agent follows the purchase's returned task when the app is ready. |
purchase appears in the services list from get_account. | Stop before you create a purchase. Follow Availability and limits. The agent reads get_account again after the user or support changes the account. |
| The user accepts that there is no test mode. | Do not start a purchase. Every purchase moves real money. The agent resumes when the user confirms the amount and the merchant. |
Where the money is
The money in the Envoy account is held by LivQuik, an RBI-authorised prepaid payment issuer, in an escrow account. Envoy provides the technology and does not hold the money.
What the agent can and cannot check
The agent can read get_account. That read shows the balance and the services list. It does not show KYC. The agent asks the user to confirm KYC, then continues.
A successful account read does not prove that a live checkout will succeed.
Next steps
- First success: read the account with no purchase.
- Availability and limits: who can connect and what a purchase can be.
- KYC and eligibility: what KYC changes for the user.
- Payment walkthrough: the first purchase, step by step.