PayGuard is a multi-provider autonomous AI agent designed to analyze financial messages, payment receipts, and suspicious URLs for fraud risk. Built for the OpenClaw Agenthon 2026, it mimics a professional fraud analyst's reasoning process through multi-step tool calling.

PayGuard uses an Agentic Loop architecture. Instead of a single prompt-response, the agent autonomously decides which tools to invoke to gather evidence before producing a final verdict.

graph TD
    User([User Input]) --> Hook[usePayGuardAgent Hook]
    Hook --> Loop[Agent Loop]
    
    subgraph AI_Engine [AI Engine - Gemini/OpenRouter/Ollama]
        Loop -- API Request --> Model[Model Reasoning]
        Model -- Tool Call --> Tools{Tools Available}
    end
    
    subgraph Analysis_Tools [Analysis Suite]
        Tools --> Entity[Deep Analysis Tool]
        Tools --> Verdict[Verdict Tool]
    end
    
    Entity -- Context/Data --> Model
    Verdict -- Structured Report --> Hook
    Hook --> UI[Real-time Thinking Log]
    UI --> Final[Final Verdict Card]

• Autonomous Reasoning: Uses a recursive loop to call analysis tools in sequence.
• Multi-Provider Support:
  • Google Gemini: Latest Flash/Pro models via Google AI Studio.
  • OpenRouter: Access to 100+ models, including free tiers.
  • Ollama: Local execution for 100% privacy and zero cost.
• Real-time Thinking Log: Transparently shows the agent's step-by-step reasoning.
• Fraud Detection Suite: Specialized tools for entity extraction, pattern matching, and tone analysis.

• Frontend: React 19 + Vite
• Styling: Tailwind CSS v4 (CSS-first configuration)
• Animations: Framer Motion
• Icons: Lucide React
• AI Integration: Native Fetch API for Gemini/OpenAI-compatible endpoints

1. Clone and Install:

   git clone https://github.com/rajk14/playgaurd-agent.git
   cd playgaurd-agent
   npm install

2. Environment Setup: Create a .env file in the root:

   VITE_GEMINI_API_KEY=your_key_here

3. Run Locally:

   npm run dev

PayGuard is designed with privacy in mind. API keys are stored only in your browser's memory (React state) and are never sent to any backend server except for the direct AI provider endpoints.

• Best Payment Use Case
• Autonomous Agent Category