An AI-powered UPI payment assistant with Agent Pay and Reserve Pay.
Built as a demonstration of AI-driven financial interactions in the Indian UPI ecosystem.
SabAI Pay is a prototype AI-powered UPI payment assistant that explores the convergence of conversational AI and digital payments. The system demonstrates:
- Agent Pay - AI-driven payment assistance through natural language conversations
- Reserve Pay - Pre-approved spending limits for frictionless transactions
- Multi-Modal Payments - Support for UPI, Bank Accounts, SabAI Gems, and Reserve Pay
- Voice-First Interaction - Hands-free payment assistance
- Real-Time Order Tracking - Live status updates for food and bill payments
| Feature | Description |
|---|---|
| AI Chat Interface | Natural language conversations for UPI payments, mobile recharges, bill payments, and food ordering |
| Mobile Recharge | Voice/text-based mobile recharge with operator detection |
| Bill Payments | Utility bill payments with auto-pay scheduling |
| Food Ordering | Restaurant discovery and ordering through conversation |
| Reserve Pay | Spending limits with PIN-less payments within limits |
| SabAI Gems | 5% cashback rewards system |
| Voice Input | Speech-to-text for hands-free operation |
| Multi-Payment | Combine multiple payments in a single action |
| Method | Description | Cashback |
|---|---|---|
| SabAI Gems | Use earned gems | 0% |
| Reserve Pay | Monthly limit based | 5% |
| Bank Account | Direct debit | 5% |
| UPI | Instant payment | 5% |
- Schedule orders for future delivery
- Set up recurring auto-pay
- Payment method selection for auto-pay
- Execution history and notifications
- React - UI Framework
- Framer Motion - Animations & Transitions
- Axios - API Client
- Web Speech API - Voice Input
- Node.js + Express - Server Framework
- Supabase PostgreSQL - Database
- Google Gemini AI - Natural Language Processing
- Razorpay - Payment Gateway Integration
- JWT - Authentication
- Docker - Containerization
- Redis - Caching Layer
- Fork the repository
- Create a feature branch (git checkout -b feature/amazing-feature)
- Commit your changes (git commit -m 'Add amazing feature')
- Push to the branch (git push origin feature/amazing-feature)
- Open a Pull Request
- Follow the existing code style
- Write clear commit messages
- Test your changes
- Update documentation if needed
This project is licensed under the MIT License.
- ✅ View the source code
- ✅ Understand the architecture and approach
- ✅ Use for learning and inspiration
- ✅ Fork and modify
⚠️ This is a prototype – not production-ready
See the LICENSE file for complete terms.
SabAI Pay is a prototype/demonstration project. It is:
- Not PCI-DSS compliant
- Not intended for production use
- Not holding real user funds
- Not audited for security vulnerabilities
Do not use this software with real financial data or in any production environment.
G Nihal
- Google Gemini AI - Core AI capabilities
- Razorpay - Payment gateway integration
- Open Source Community - Tools and libraries
| Component | Status |
|---|---|
| Agent Chat | |
| Reserve Pay | |
| Mobile Recharge | |
| Bill Payments | |
| Food Ordering | |
| SabAI Gems |
Status Legend: ✅ Production Ready |
For inquiries, collaboration, or licensing:
Made with ❤️ in India
This project is a demonstration of AI-driven fintech innovation.