Building a Voice-Powered Loan Assistant with Gemini Live API and Google Cloud

Created for the #GeminiLiveAgentChallenge hackathon

The Problem

In India, over 800 million people access the internet primarily through their phones — and a significant number are not comfortable typing in English. Traditional loan application forms create a massive friction point: small text inputs, confusing field formats (PAN numbers, date formats), and English-only interfaces exclude a huge portion of the population.

What if users could just talk to fill out their loan application — in their own language?

The Solution: InstaMoney

InstaMoney is a real-time, multilingual voice assistant that fills out loan application forms through natural speech. Users click a microphone button and simply talk. The AI listens, understands, extracts form field values, and auto-fills the form — all in real time with zero typing.

What makes it special:

• Truly live — No "record and send." Audio streams bidirectionally between the user and Gemini in real time.
• 10 Indian languages — Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Kannada, Malayalam, Punjabi, and English. Switch languages mid-conversation and the bot follows immediately.
• Barge-in — Users can interrupt the bot mid-speech, just like a real conversation.
• Smart form filling — Gemini uses function calling (fill_form_field) to extract structured data with confidence scores.

How We Built It with Google AI and Google Cloud

Gemini Live API — The Core

The entire experience is powered by Gemini 2.5 Flash Native Audio through the Google GenAI SDK. We use the bidiGenerateContent Live API for true bidirectional audio streaming.

import google.genai as genai

client = genai.Client(api_key=GEMINI_API_KEY)
session = client.aio.live.connect(
    model="gemini-2.5-flash-native-audio-latest",
    config={
        "response_modalities": ["AUDIO"],
        "tools": [fill_form_field_tool],
        "input_audio_transcription": {},
        "output_audio_transcription": {},
    }
)

Key architectural decisions:

1. Raw PCM over WebSocket — Audio flows as binary PCM (16-bit, 24kHz, mono) directly from the browser microphone to Gemini and back. No base64 encoding overhead.

2. Tool calling for structured output — Instead of parsing free-text, Gemini's native function calling ensures reliable field extraction:
   

   fill_form_field(field_name="fullName", value="Vinayak Maskar", confidence="high")

1. Continuous background receiver — An asyncio.create_task loop reads from the Gemini session continuously, enabling true real-time streaming without blocking.

Google Cloud Run — Production Hosting

The backend runs on Cloud Run with Daphne (ASGI server) for WebSocket support. We automated the entire deployment with a single script:

• Cloud Build builds the Docker container
• Secret Manager stores API keys securely
• Cloud Run serves the ASGI app with auto-scaling (0 to 3 instances)

The Frontend

Built with React Native (Expo) for cross-platform support. Features a glassmorphism UI with:

• Animated voice button with ripple effects
• Real-time waveform bars during recording
• Fields that light up green with checkmarks as the bot fills them
• Toast notifications for each auto-filled field

The Stack

Challenges We Faced

1. PKCE and JWT auth over WebSocket — WebSockets don't support HTTP headers, so we pass the JWT token as a WebSocket subprotocol during the handshake.

2. Multilingual tool calling — Gemini needed to extract Latin-script values from Hindi/Marathi speech. We solved this with detailed system prompt engineering and validation layers.

3. Barge-in handling — When the user interrupts, we need to stop audio playback immediately on the frontend while the backend handles the interruption event from the Live API.

4. Auto-reconnection — The Live API session can disconnect. We built a 3-retry auto-reconnect system with exponential backoff that's transparent to the user.

What's Next

• Add more form stages (employment, income, documents)
• Camera-based PAN card reading using Gemini's vision capabilities
• Deploy on mobile (iOS/Android) using the same Expo codebase

Try It

• GitHub: github.com/vinayakmaskar/instamoney-voice-assistant

This blog post was created for the purposes of entering the Gemini Live Agent Challenge hackathon. #GeminiLiveAgentChallenge

Built by Vinayak Maskar

This article was created for the purposes of entering the Gemini Live Agent Challenge hackathon. #GeminiLiveAgentChallenge