Personal AI agents face a fundamental deployment paradox on mobile: persistent background execution drains battery and violates platform sandboxing policies, yet purely reactive agents miss time-sensitive obligations until the user remembers to ask. We present Jagarin, a three-layer architecture that resolves this paradox through structured hibernation and demand-driven wake. The first layer, DAWN (Duty-Aware Wake Network), is an on-device heuristic engine that computes a composite urgency score from four signals: duty-typed optimal action windows, user behavioral engagement prediction, opportunity cost of inaction, and cross-duty batch resonance. It uses adaptive per-user thresholds to decide when a sleeping agent should nudge or escalate. The second layer, ARIA (Agent Relay Identity Architecture), is a commercial email identity proxy that routes the full commercial inbox -- obligations, promotional offers, loyalty rewards, and platform updates -- to appropriate DAWN handlers by message category, eliminating cold-start and removing manual data entry. The third layer, ACE (Agent-Centric Exchange), is a protocol framework for direct machine-readable communication from institutions to personal agents, replacing human-targeted email as the canonical channel. Together, these three layers form a complete stack from institutional signal to on-device action, without persistent cloud state, continuous background execution, or privacy compromise. A working Flutter prototype is demonstrated on Android, combining all three layers with an ephemeral cloud agent invoked only on user-initiated escalation.