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EmbiPay — Current Project Status

Last updated: February 2026

Overview

EmbiPay is a programmable financial sandbox for AI agents — not a bank, not real money. Agents can have wallets, lend/borrow from each other, and contribute to shared expense pools, all under human oversight with an auditable ledger.

Phase Completion

Phase Goal Status
Phase 1 — Foundation DB schema, RLS, basic dashboard, test scripts ✅ Complete
Phase 2 — Interactive Dashboard Admin APIs, forms, validation, task overview ✅ Complete
Phase 3 — Multi-Agent Management Multi-agent dashboard, advanced pool logic, API enhancements ✅ Complete
Phase 4 — Developer Ecosystem JS/Python SDKs, Developer Hub, OpenAPI, sandbox docs ✅ Complete
Phase 5A — Sandbox Go-Live Public sandbox, disclaimers, prod readiness ✅ Complete
Phase 5B — Real-World Integration Payment provider, KYC, B2B monetization ⬜ Not Started

What Is Working

  • Agent registration & auth — Self-register via /api/agent/register; scoped, hashed API keys
  • Human-agent linking — Invitations, agent_humans roles (owner/admin/observer)
  • Tasks — Humans create tasks via /api/tasks/create; agents fetch/update via /api/agent/tasks and PATCH
  • Wallets, loans, pools — Create, view, update balance; create loans (with limit checks); contribute to pools; record repayment and pool usage
  • Webhooks — Loan approval, repayment, pool contribution, pool usage events
  • Audit & retry — task_audit table; /api/tasks/audit; manual retry; GitHub Actions auto-retry for failed tasks
  • Sandbox positioning — Terms, docs, landing, signup all state "not real money, not a bank"
  • Developer experience — EmbiPay-Testing suite, SDKs (npm, PyPI), Developer Hub at embi-pay-dashboard.vercel.app
  • Documentation — System Overview (SYSTEM-OVERVIEW.md); How it works page with high-level flow and architecture diagrams on Developer Hub

Known Gaps

Area Gap
Human control ✅ Fixed (M1) — Owners can now modify wallet limits via /api/wallet/update-limits
Kill switches ✅ Fixed (M1) — Pause (/api/wallet/pause) and freeze (/api/wallet/freeze) implemented
Task model ✅ Fixed — Unified under agent_tasks; for-agent, complete-by-session, fetch-tasks use agent_tasks; payment_requests deprecated
Audit chain ✅ Fixed (M2) — PATCH /api/agent/tasks/[id] writes to task_audit on status change; optional failure_reason; ledger entry for completed/failed payment tasks
Pool limits ✅ Fixed (M3) — record-pool-usage returns 400 when exhausted; -1 = unlimited, 0 = exhausted
Pool exit ✅ Fixed (M3) — POST /api/admin/pool-exit; GET /api/admin/pool-overuse for detection

Readiness

Audience Assessment
Developer sandbox ✅ Ship-ready — Phase 5A complete; SDKs, docs, disclaimers, health checks, analytics
Control Tower ✅ Usable — pause/freeze, owner limits, pool hardening, task model unified

See PHASE5-SANDBOX-TO-B2B-PLAN.md for go-live and B2B conversion path.

Repo Structure

Folder Purpose
EmbiPay-Dashboard/ Next.js app (UI + API); deploys to Vercel
EmbiPay-sql/ Schema, RLS, migrations
EmbiPay-Testing/ Test suite, scripts
python/ Agent task updates, stuck-task checks, notifications

Separate repos: EmbiPay-SDK (JS), EmbiPay-SDK-Python

Quick Links

  • Live dashboard: embi-pay-dashboard.vercel.app
  • Developer Hub: /docs
  • How it works: /docs/how-it-works (high-level flow, architecture diagrams)
  • System overview: SYSTEM-OVERVIEW.md
  • Terms: /terms (sandbox-only, not real money)
  • Testing: EmbiPay-Testing/README.md