Kriya: Autonomous AI Teammate for Customer Service

Paytm Build for India AI Hackathon • Track 3

Kriyaby EthicCode

An autonomous AI teammate that investigates, decides, and settles digital payment disputes in real time with zero human touches.

Try as a Customer Open Ops Console

North Star Target

> 80%

Autonomous resolution rate with 0 human touches.

Fast-Path Latency

< 3.0s

From intake to verified ledger credit posting.

Verification Guarantee

100%

Read-back checks confirm ledger state before reply.

Tamper-Evident Audit

SHA-256

Append-only cryptographic hash chain on every case.

The Operational LoopDeterministic • Policy Bounded

How Kriya Resolves Payment Disputes

Zero-hallucination policy bounds

0118ms

Intake & Classify

Ingests message via WhatsApp or UPI webhook. DeepSeek structured intent parser categorizes failed debits vs fraud.

Rule: INGESTION_SOP_V1

0285ms

Investigate

Read-only tools inspect banking sandbox, CBS settlement rows, UPI switch logs, and customer account limits.

Rule: TOOL_AUTH_READ_L0

0324ms

Decide

Deterministic engine checks autonomy limit (up to ₹2,500). Amounts over threshold or fraud flags trigger human escalation.

Rule: REFUND_FAILED_DEBIT_V1

04210ms

Verify & Seal

Executes reverse credit, read-back confirms settled balance in core ledger, and seals SHA-256 tamper-evident hash chain.

Rule: AUDIT_CHAIN_SEAL_V1

Hackathon Evaluation Guide

Two Complete Demo Paths to Evaluate

Follow these recommended personas to test full autonomous settlement and supervisor handoffs.

Customer Experience

/help

Real-time Chat

Experience how digital customers resolve payment issues without waiting for human customer service agents:

Rahul Sharma (Autonomous Path):

Failed ₹1,499 grocery debit to FreshMart. Automatically verified in core ledger and refunded in < 2.5s with Bank UTR 4289100234.

Kabir Mehta (Autonomy Limit Exceeded):

₹18,000 electronics payment failure safely halts and escalates to a human supervisor for 1-click review.

Anita Desai (Velocity Fraud Defense):

3 unauthorized transactions trigger immediate card blocking and NPCI dispute filings.

Launch Customer Help Center

Operations Console

/console

Supervisory

Inspect the live reasoning and policy execution traces behind every autonomous and escalated case:

Step-by-Step Live Trace:

View DeepSeek thought tokens, fast cascade models, tool inputs/outputs, and policy evaluation tables in real time.

Handoff Packets with 1-Click Approve:

Review structured facts, policy rationales, and recommended actions. Supervisors can approve or deny in a single click.

Cryptographic Audit Chain:

Every event is sealed with SHA-256 hash chaining to guarantee 100% tamper-evident compliance for banking auditors.

Open Ops Console

Dual Theme Foundation (Paper & Ink / Obsidian & Ink)

Engineered with CSS custom property tokens for crisp projector presentations and night-shift console operations.

React 19 useSyncExternalStore

LIGHT THEME (Paper & Ink) Autonomous

KR-10490: Refund ₹1,499

Verified in ledger. UTR 4289100234 posted successfully with 0 human touches.

DARK THEME (Obsidian & Ink) Autonomous

KR-10490: Refund ₹1,499

Verified in ledger. UTR 4289100234 posted successfully with 0 human touches.