BizMind AI Agency

PayMind Voice: bilingual AI collections calls for Buy-Here-Pay-Here car dealers. Muse Spark plans the day, makes the call, texts a pay link and remembers every buyer. Buy-Here-Pay-Here dealerships finance their own cars, mostly for buyers banks turn down, and they depend on collections. Today that means one person on the lot calling late buyers all day, in English and Spanish, under strict rules: confirm identity first, no threats, legal calling hours, respect do-not-call. PayMind Voice does that job with three Meta models in five roles: 1. Planner. It reads the portfolio, the dealer's rules and each buyer's history, and decides who to call, when and with which offer (tool calls: schedule_call / skip_buyer). The code enforces compliance on top of its plan. 2. Voice agent. A real phone call (Twilio ConversationRelay <-> Cloudflare Worker), streaming Muse Spark at minimal reasoning, with about 1 second to the first word. It confirms identity before revealing anything and negotiates within the dealer's limits. 3. Outcomes as tools. record_promise, send_pay_link, transfer_to_human, do_not_call, wrong_person or end_call. A promise triggers an SMS with a Stripe pay link. 4. Memory. After each call, Muse Spark writes a case note, and the next call starts from it. 5. Compliance auditor (verifiable agent). Muse Voice Transcribe re-transcribes the call recording with speaker labels, and Muse Wonder (a different model than the one that spoke) audits it against 7 collection rules, with evidence; the code checks third-party disclosure and promise limits. The recording is deleted right after. The results feed the dealer's live daily board. The live demo calls your own phone, with a fictitious dealer and buyers: https://paymind-voice-hackathon.joarciniegas.workers.dev Everything after commit 7fa0cc7 was built during the hackathon.