Jigyasa

Laxmi — a voice-first, evidence-backed ledger for India's informal economy. The problem. Half of India's economy runs on spoken promises — udhaar (credit), delivery commitments, advances, payments — made across shop counters, on phone calls, and in WhatsApp voice notes. Nobody writes them down reliably. Memory fails, disputes fester ("maine kab bola tha?"), and the people living this — shopkeepers, contractors, drivers, households with domestic staff — are also credit-invisible: no formal records, so no bank will lend to them. Existing apps (Khatabook, Dukaan AI) make you type or dictate bookkeeping commands — a chore that decays, and one-sided typed claims with no proof. What Laxmi does. You just talk — the way you already do. Laxmi listens to a voice note (spoken, forwarded from WhatsApp, or a call summary), and on-device Gemma 4 extracts the commitment — who, how much, by when, owed-to-me or I-owe — into a structured ledger. Every entry keeps the original audio as evidence (tap ▶ to replay the exact words), carries a confidence score, and files under the right person automatically. You ask it questions in Hinglish and it answers by voice, fully offline. It sends acknowledgement receipts so both sides agree on the record. How it works — two brains, one privacy boundary: - On-device Gemma 4 (inward): understands your messy, code-switched Hinglish; owns all raw data — audio, transcripts, the ledger, names. Runs capture, extraction, Q&A, reminders, insights — offline, private, nothing leaves the phone. - Antigravity managed agents (outward): when you want the outside world — live market prices, government schemes, a loan-readiness dossier, a collections drive — Gemma delegates to autonomous cloud agents that plan, research the web, run code, and check their own work. But they only ever receive a consented, name-free summary; raw data never crosses. You approve exactly what leaves. What it solves, concretely: turns spoken promises into a durable, disputable record; gives the informal economy evidence instead of one-sided claims; keeps sensitive financial life private and offline; and — through the agents — connects a one-person shop to the market intelligence, credit access, and government schemes that big businesses pay teams for. Tech: Gemma 4 E4B on-device (LiteRT, audio + vision) for the private brain; Antigravity Managed Agents (Gemini Interactions API) with persistent multi-agent sessions, web + code tools, and a verify loop for the outward brain. Track 2 (Managed Agents) primary; Best Use of Gemma 4 secondary. One line: Your phone remembers; the agents act — a memory for India's spoken economy, private by design.