marketplace.sell_used_car

Sell a used car through a TOMO partner (Cars24 / Spinny / OLX Autos / CarTrade). Instant quote → at-home inspection → escrow payment → RC transfer initiation. TOMO is the listing/quote conversational surface; the partner holds the money and the legal transfer.

1. Identity

Intent ID: marketplace.sell_used_car
Vertical: marketplace
Verb: sell
Noun: used_car
Primary agent: MarketplaceAgent
Sub-agents enriching (DATA only): FinanceAgent (loan-closure if active), LogisticsAgent (pickup truck if not driveable), SafetyAgent (inspection-visit-safety flags)
Single-intent → completed action: instant quote → confirmed pickup slot → escrow payment + RC transfer initiation
Handoff layer: L2 (embedded in TOMO; partner micro-frontend renders ownership-transfer paperwork)

2. NL Coverage (must-classify utterances)

"sell my car"
"what's my swift dzire 2019 worth"
"sell my hyundai i20 nakkalgutta"
"instant quote for my ertiga"
"cars24 quote for my swift"
"spinny inspection visit"
"i want to sell my car to olx"
"honda city 2018 sell price"
"sell car at home pickup"
"evaluate my car for sale"

Must NOT match: "buy used car" (→ marketplace.buy_used_car), "service my car" (→ auto_service.book_service), "car valuation only" (→ marketplace.evaluate_used_vehicle).

3. Input (slots)

Slot	Type	Required	Source
`make`	enum	HARD	NL or RC lookup
`model`	string	HARD	NL or RC lookup
`variant`	string	SOFT	partner catalog match
`year`	int	HARD	NL or RC
`fuel`	enum [petrol, diesel, cng, electric, hybrid]	HARD	RC
`transmission`	enum [manual, automatic]	HARD	catalog match
`kms_driven`	int	HARD	seller declared (verified at inspection)
`owners`	int	HARD	RC (1st/2nd/3rd+)
`rc_number`	string	HARD	seller declared, Parivahan-verified
`pickup_address`	geo	HARD	saved location or NL
`inspection_slot`	datetime	HARD	partner calendar
`existing_loan`	bool	SOFT	seller declared (triggers FinanceAgent NOC sub-flow)
`expected_price_inr`	int	SOFT	seller declared (for honesty-gap chip only)

4. Provider Tools (partner MCP capabilities)

get_instant_quote(make, model, variant, year, fuel, transmission, kms_driven, owners) → {quote_inr, quote_ttl_min, quote_id}
schedule_inspection(quote_id, pickup_address, slot) → {visit_id, inspector_name, eta_min}
submit_inspection_report(visit_id) → {final_offer_inr, delta_inr, downgrade_reasons[]}
accept_offer(visit_id) → {transaction_id, escrow_state}
initiate_rc_transfer(transaction_id) → {form_29_pdf_url, form_30_pdf_url, parivahan_ack_id}
release_escrow(transaction_id) → {utr, settled_at_iso}
cancel_visit(visit_id, reason) → {cancellation_fee_inr}

Idempotency: quote_id is the dedupe key for downstream schedule_inspection.

5. Response Shape (Conv Intel 5-region grammar)

Region 1 — INTELLIGENCE strip: quote_ttl_min, parivahan_verified=true, loan_outstanding_inr (if any), local_demand_index (model+city), safety_flags[] (at-home inspection trust signals)
Region 2 — one-line summary: "₹{instant_quote_inr} instant quote, valid {ttl} min. Final price after at-home inspection."
Region 3 — visual anchor: stock photo of make+model+colour (NOT seller's car — clearly labelled "reference image")
Region 4 — NOW pin: nearest available inspection slot + partner name + inspector verification badge
Region 5 — TOMO CHOICES (OK/GOOD/GREAT):
- OK: highest instant quote (fastest cash)
- GOOD: best balance (quote + reputation + escrow reliability)
- GREAT: highest historical final-offer match-rate (least downgrade risk)

Anti-fabrication: no AI-rendered photos of seller's specific vehicle, no synthetic "₹X higher than market" claims without partner-quoted comparison.

6. Controlled Vocabularies (STRICT ENUM)

fuel: petrol | diesel | cng | electric | hybrid
transmission: manual | automatic
owners: 1 | 2 | 3 | 4+
escrow_state: pending_inspection | inspected | offer_accepted | rc_initiated | escrow_held | settled | cancelled
downgrade_reason: accident_history | flood_damage | odometer_mismatch | major_panel_repaint | engine_blow_by | transmission_slip | tyres_below_2mm | interior_damage_severe | rust_chassis | aftermarket_unauthorized
partner: cars24 | spinny | olx_autos | cartrade | carwale
pickup_type: self_drive | partner_truck (auto if not driveable)

No free-text on downgrade_reason — partner must map to enum so TOMO can show plain-English honesty chip.

7. TTBS Dimensions (weights)

Dim	Weight	Signal
Time	0.20	instant quote TTL, inspection slot ETA, escrow settlement SLA
Taste	0.10	seller preference for partner brand (if any history)
Budget	0.40	highest quote, lowest downgrade history, no hidden deductions
Safety	0.30	partner Parivahan-verified, RC transfer assist included, escrow protection, inspector ID-badge, female-friendly inspector option

Locked: budget+safety = 0.70 — sell-side is dominated by price honesty and transaction security.

8. Completion Contract

Mission completes when ALL of:

Seller accepts final offer (post-inspection)
Partner emits escrow_state=escrow_held AND parivahan_ack_id is present
Pickup truck (if applicable) confirmed scheduled OR seller marks self-drive-handover done
CPC webhook received: event=sale_completed, amount_inr = partner's net referral fee (NOT sale price), pass_through_inr = 0 (TOMO never holds sale proceeds)

Failure modes (do NOT mark complete):

Inspection no-show by inspector
Final offer rejected by seller (mission ends cancelled, no commission)
Parivahan transfer rejected (state-side issue)

9. Widget (in-chat surface)

CHOICES card: 3 partner tiers (OK/GOOD/GREAT) with instant-quote ₹ + escrow-reliability chip + slot ETA
HONESTY strip (Region 1): "Final offer may differ from instant quote — average downgrade in {city} = ₹{X}. Inspection report is signed."
SLOT picker: partner inspector calendar, female-inspector toggle, address confirm
POST-INSPECTION reveal card: final offer + delta vs instant quote + each downgrade_reason in plain English + Accept/Reject buttons
ESCROW status pill: pending → held → settled (UTR on settled)
RC TRANSFER card: Form 29/30 PDF links + Parivahan ack ID + ETA-to-name-change-on-RC

NEVER show: "guaranteed best price" (illegal price-fixing claim), AI-rendered seller car photo, synthetic 5★ inspector rating.

10. Caching Policy

Key	TTL	Invalidate on
`instant_quote:{make}:{model}:{variant}:{year}:{fuel}:{kms_band}`	quote_ttl_min (partner-set, max 1440)	partner price-list refresh, RBI repo change >25bps
`parivahan:rc:{rc_number}`	30 days	RC blacklist event, transfer-in-progress
`partner:reputation:{partner}:{city}`	7 days	manual override on complaint spike
`inspector:availability:{partner}:{pincode}`	15 min	bookings

No caching of: final offer (always fresh per inspection), escrow state (always live).

11. Error Codes

Code	Meaning	UX
`MKT_QUOTE_EXPIRED`	quote TTL elapsed	regenerate quote button
`MKT_RC_BLACKLIST`	Parivahan blacklist on RC	hard block, surface reason if disclosable
`MKT_LOAN_NOC_REQUIRED`	active hypothecation	FinanceAgent NOC sub-flow
`MKT_INSPECTOR_NO_SHOW`	partner SLA breach	auto-reschedule + ₹500 partner credit
`MKT_DOWNGRADE_EXCESSIVE`	final offer < 80% instant quote	mandatory honesty chip + cooling-off prompt
`MKT_PARIVAHAN_DOWN`	RTO endpoint unreachable	retry queue, surface ETA
`MKT_ESCROW_BANK_FAIL`	partner escrow bank rail down	freeze, surface partner support
`MKT_CANCEL_WINDOW_EXPIRED`	seller cancelled post-acceptance	partner-defined penalty

12. Sandbox → Production Checklist

Partner sandbox quote endpoint matches production (100 sample RCs)
Parivahan verification against test+live RC corpus
Inspector visit dispatch in 3 pilot cities (HYD, BLR, DEL)
Escrow rail tested with 10 ₹1 transactions
Form 29/30 PDF generation byte-equal to RTO format
CPC webhook HMAC verified on 50 events
Downgrade-reason ENUM mapping audited for all 4 partners
Cancellation fee schedule pulled from partner T&C
Female-inspector toggle wired in all pilot cities
Anti-fabrication audit: no AI photos, no "guaranteed" copy

13. Anti-Fabrication Rules

NEVER show partner-paid placement — ranking is always live-fit OK/GOOD/GREAT
NEVER render AI image of seller's specific car
NEVER synthesise "₹X above market" — must be partner-quoted vs partner-quoted
NEVER show fake inspector star ratings — show only partner-reported visit-completion rate
NEVER claim TOMO holds money — escrow is partner's bank rail
NEVER hide downgrade reasons — plain-English chip is mandatory
NEVER cache final offer — always live per inspection

14. Regulatory Framing

Motor Vehicles Act 1988 §50 — ownership transfer via Form 29 (intimation) + Form 30 (application), filed at RTO of registration
Central Motor Vehicles Rules 1989 Rule 55 — within 14 days of sale
GST — used-car sale by individual = NOT taxable; partner's margin scheme attracts 12-18% on margin only
DPDPA 2023 — seller's PII (Aadhaar/PAN/phone) collected by partner, NOT TOMO; consent surfaced at partner micro-frontend
RBI Master Direction on Hypothecation — if loan active, partner must obtain NOC from financier before RC transfer
State RTO fee — borne by buyer per convention; surface in partner T&C
Cybercrime advisory — TOMO never asks for Aadhaar, OTP, or bank password; partner does, inside partner surface