Issue II · Connect · MMXXVI
Each folio learns to read your life so you do not have to type it. Account Aggregator, DigiLocker, ABDM, HealthKit, Gmail, calendars, contacts, ITR, EPFO, prescriptions, payslips, closet photographs. Bring connections in, the folios bring meaning out.
Drop a PDF, CSV, ZIP, photograph, e-mail, screenshot, voice memo. The empire-inbox sniffs the artifact, routes to the right folio's connector, previews, and commits on confirm.
Adapter confidence is the first rung. Phi-3-mini on-device is the second. A remote LLM is offered only if you have connected one. Plaintext never leaves the device unless you opt into ciphertext sync.
Hisaab · Khazaana · Wasiyat
One consent, every Indian bank, MF, demat, FD, insurer routed into your folios. RBI-licensed framework, FIU-FIP-AA pattern. Folio fetches the bare aggregates; bank-side stays at the bank.
Hisaab · Khazaana · Tankhwah
OAuth into the e-mail account that already receives HDFC, ICICI, SBI, Axis, Kotak monthly statements. The chassis parses each PDF on-device via Adobe PDF MCP, never copies to the cloud.
Khazaana
Zerodha Kite read-only positions, holdings, orders, P-and-L. Fees and brokerage flow into Hisaab, Tankhwah picks up the LTCG-vs-STCG bucket for tax planning.
Khazaana
Three broker integrations folded into one. OAuth via each broker's official API; positions and holdings only, no order-placement surface in v1.
Khazaana · Wasiyat
Mutual-fund NAVs poll the open MFAPI endpoint. CAS PDFs from CAMS or Karvy upload through the empire-inbox and reconcile against Sahamati AA.
Tankhwah · Khazaana · Wasiyat
UAN passbook PDF parser. EPF balance, employer contributions, withdrawals, and the slow-compound retirement trajectory feed Tankhwah and Khazaana.
Tankhwah · Hisaab
Income-tax Annual Information Statement and Taxpayer Information Summary parsed off the official JSON. Bank interest, dividends, mutual-fund redemptions slot straight into Tankhwah's regime simulator.
Khazaana · Wasiyat
PDF report parsed locally via Adobe PDF MCP. Active loans, credit cards, write-offs, settlement flags. Wasiyat picks up the open-line list so nominees know what to settle.
Hisaab
Google Pay, PhonePe, Paytm export CSV or PDF. Categorised into Hisaab buckets, deduped against bank statements, anomaly-watch surfaces the unexpected spend.
Hisaab
Capacitor bridge into the Android SMS inbox. The chassis parses bank-transaction SMS, UPI alerts, OTPs. Read-only, on-device, never persists raw messages.
Khazaana · Tankhwah
For founders running businesses through Razorpay. Subscription revenue, refunds, GST e-invoices, settlement schedule. Tankhwah computes the real founder take-home.
Hisaab · Wasiyat
Recurring bills directory. NPCI does not expose a public read API; v1 ships as manual entry plus PDF parser for biller statements. Wasiyat's subscription map cross-references.
Khazaana
Open Yahoo-finance fallback for live quotes. Real-time tile, intraday delta, 5-min refresh on focus. Sahamati AA is the source of truth; this is the speedometer.
Khazaana · Wasiyat
WazirX, CoinDCX, Mudrex CSV export parser. Wasiyat treats crypto holdings as a separate asset class with a Shamir-secured seed-phrase vault.
Khazaana
Khazaana exports a signed Wallet pass with this month's net-worth snapshot. Lock-screen glance, no full-app unlock required.
Khazaana
Eight-hundred-path Monte Carlo with inflation 6 percent, equity 12 percent, debt 7 percent. Bound to your AA snapshot, your Tankhwah trajectory, your Hisaab burn rate.
Khazaana · Tankhwah
Reads broker holdings, computes LTCG-vs-STCG-vs-grandfathered buckets, surfaces tax-harvest opportunities before the March 31 wall.
Tankhwah · Hisaab
Drop the monthly payslip PDF. Adobe PDF MCP extracts the layout, Tankhwah projects FY-end gross and real take-home after the chosen regime.
Wasiyat · all KYC
One OAuth into DigiLocker pulls every issued document into the empire vault. DL, PAN, voter ID, RC, Aadhaar e-XML. Bound to your nominees and your nominee-only revealed bundle.
all folios
Aadhaar offline e-XML import. Signature verification on-device, sensitive fields never leave the phone. Empire ID can bind to the Aadhaar reference number with consent.
Wasiyat
RC, insurance expiry, Fastag balance, pending traffic challans, pollution-cert renewal. Vehicles register as Wasiyat assets, nominee-linked from day one.
Sehat
National Health Authority's PHR gateway. ABHA-ID linkage, FHIR R4 pull of consented health records, doctor handoff and OPD discharge summaries. Privacy-by-default.
Tankhwah · Wasiyat
ITR-1, ITR-2, ITR-3 JSON parser for FY 24-25 and FY 25-26 schemas. Tankhwah reconciles vs payslips, Wasiyat keeps the last three filed years as legacy documents.
Wasiyat
Sign the Wasiyat will and nominee consent forms with Aadhaar-based eSign. Signature cert, audit trail, timestamped on-chain optional.
Wasiyat · Khazaana
State sub-registrar PDF or CSV upload. Deed details, jurisdiction, encumbrance certificate, owner share. Goes into Khazaana net worth and Wasiyat asset vault simultaneously.
Sehat
Vaccination cert PDF parse via Adobe PDF MCP. Goes into Sehat per family member, Wasiyat tags it as a legacy document if you nominate it that way.
all KYC
Structure plus checksum check, fully local, no network call. Empire ID and any folio that needs PAN can validate without contacting an external service.
Wasiyat
Passport biographical page parsed via Adobe PDF MCP or camera-OCR. Expiry alert, child-passport nudge. Wasiyat catalogues the booklet location for nominees.
Hisaab · Dial
No public read API. v1 ships as manual CSV upload from your IRCTC export. Hisaab logs the spend, Dial tags travel companions.
all folios
UMANG does not expose a public OAuth surface. v1 ships as a curated set of state-portal CSV/PDF importers (RTO, PF, ESI). v2 wires DigiLocker as the umbrella.
Tankhwah
26AS PDF parser via Adobe PDF MCP. TDS by employer, TDS by bank, advance tax, self-assessment tax. Tankhwah's tax-window scoreboard reads from here.
Wasiyat · Sehat
State portal CSV upload for births, marriages, deaths. Wasiyat preserves them as legacy documents with nominee-only access. v2 wires DigiLocker as the source.
Hisaab · Almari · Dial
One Google sign-in is the keystone for half the empire. Read-only on chosen labels. The chassis fans the same token to e-commerce, calendar, contacts, photos.
Almari · Hisaab
Amazon, Flipkart, Myntra, Ajio, Nykaa order confirmations. Almari learns what you bought, when, for how much. Hisaab logs the spend, deduped against bank statements.
Dial · Sehat · Aramgah
Birthdays, anniversaries, doctor appointments, gym slots. Dial decays last-touch from contact events. Sehat reads upcoming OPD bookings. Aramgah cross-references late-night travel for chronotype drift.
Dial
Top-50 import. Photo, relation, birthday, custom fields. Dial keeps the relationship graph; the master contacts list stays in Google.
Dial
Native iOS contact-store bridge through the Capacitor shell. Read-only, opt-in per contact group. Apple Intelligence iOS 27 can ask Dial about a contact's recent decay.
Dial
Personal or group chat export ZIP upload. Birthday extraction, interaction balance, gift-history. Never auto-reads live WhatsApp; you choose what to import.
Hisaab · Aramgah
E-mail-parser pulls every order. Hisaab catches the spend, Aramgah correlates late-night orders against the next morning's sleep score.
Hisaab · Dial
Trip history from e-mail. Hisaab logs the spend, Dial graphs co-rider patterns to friends and colleagues.
Hisaab · Wasiyat
Booking confirmation parser. Hisaab tags travel spend, Wasiyat marks the family-passport renewal calendar against upcoming international travel.
Hisaab · Wasiyat · Tankhwah
Reads Gmail for recurring SaaS and streaming. Netflix, Hotstar, Prime, Spotify, AWS, Cloudflare, GitHub. Wasiyat answers "what will my family lose if I die".
Tankhwah · Dial
Upload your LinkedIn export ZIP. Connections, work history, recommendations. Tankhwah builds your cohort percentile, Dial keeps the old-colleague graph alive.
Almari
Albums labelled "outfit" or shot with camera-roll auto-detect. Metadata only; never downloads the bytes unless the user picks a specific photo.
Hisaab · Dial
OTPs, bank transactions, birthday SMS. Read-only, on-device, raw messages never persist. Dial gets birthday alerts, Hisaab catches transaction alerts.
Almari
Paste a product URL. The chassis fetches the OG image and price into Almari's wishlist. Worker-side fetch so you keep your browser fingerprint to yourself.
Aramgah · Sehat
Sleep, heart rate, steps, workouts, body composition, hearing health. Apple's on-device store; chassis bridge reads, never writes back to HealthKit.
Aramgah · Sehat
Steps, weight, activity from any Wear OS or sync-enabled device. OAuth with the smallest possible read scopes.
Sehat
ABHA-linked health record fetch with consent. FHIR R4 bundles, OPD discharge summaries, lab results, prescriptions. The closest India has to a national health passport.
Sehat · Hisaab
E-mail parser for 1mg orders. Prescriptions, refill cadence, generic-substitution suggestions, medical spend in Hisaab.
Sehat · Hisaab
PharmEasy order history from e-mail. Same pattern as 1mg; both feed Sehat's prescription registry.
Sehat
Apollo orders and consultations from e-mail. Doctor names, OPD dates, prescription PDFs all routed to the right family member.
Sehat
Practo confirmation parser. Specialist visits per family member, prescription PDFs, follow-up reminders.
Sehat
Snap the doctor's prescription. Tesseract on-device parses the drugs, Sehat's interaction checker warns against the 12-pair conflict list.
Sehat
Thyrocare, Dr Lal PathLab, SRL, Metropolis. PDFs uploaded through the empire-inbox, Adobe PDF MCP extracts panels, Sehat trends them over time.
Aramgah · Sehat
Sleep stages, HRV, steps, weight. The chassis stores only the daily aggregates so the data footprint stays small.
Aramgah
Garmin lacks a public OAuth for personal use; v1 ships as CSV upload from the official export. v1.1 wires the partner program once approved.
Aramgah
Oura's official Web API: sleep, readiness, activity, temperature deviation. Aramgah maps Oura's chronotype against your Ayurveda dosha window.
Aramgah
Generic BLE-fitness device probe. Pulls daily step + heart aggregates. Works with Mi Band, BoAt, generic Chinese fitness wearables.
Sehat
Cert PDF parse via Adobe PDF MCP. Adult immunisation schedule cross-checked against the IAP-UIP calendar for the rest of the family.
Aramgah
Rear camera plus torch plus 30 seconds of fingertip occlusion. RMSSD math runs locally; no pixels ever leave the device.
Sehat
Twelve-pair drug-conflict matrix, Indian-generic alias normalisation, emergency-card PDF export. Lives entirely on-device.
Empire ID is one passkey for the eight folios. The cross-app event bus is how each folio learns from another. Empire Inbox is the single drop-zone. Three chassis modules, ciphertext-only, on-device-first.
साम्राज्य
WebAuthn passkey with PRF binds a master secret to the authenticator. HKDF-SHA512 derives a per-folio key that never leaves the chassis. Shamir 3-of-5 hands recovery to your nominees on paper.
पुल
Twenty-seven typed events, eight folios, one bus. Hisaab spends, Khazaana adjusts liabilities. Sehat prescribes, Hisaab catches the chemist bill. Wasiyat replays the whole history on a fresh install.
डाकखाना
One drop-zone for the whole empire. Heuristic, then Phi-3-mini on-device, then a remote LLM only if you connect one. The right folio picks up; the wrong folio never sees the artifact.