01
· AGREE
Set the terms together.
Amount, schedule, interest if any, and a line on what the loan is for. Build it together, or draft it and send it over. Nothing happens until you both see the same screen.
Amount, currency, and schedule
Interest (or none)
Purpose, in your own words
02
· SIGN
A link, a tap, two signatures.
The other person gets a link. They open it, read the terms, and sign — or send it back with changes. Until both of you have signed, nothing is active and no money is expected. Once you both sign, KinPay timestamps it and archives a copy of the agreement for each of you.
Locks the terms — neither side can change them later
An identical, archived copy for both of you
A real record, not a chat message
03
· TRACK
Pay how you always pay. Mark it here.
Bank transfer, mobile money, cash in hand — KinPay doesn't care how the money moves. Pay through KinPay and we'll mark it for you. Pay outside, and a tap is all it takes. Either way, you both see the same ledger. If a payment is late, KinPay sends one quiet reminder. After that, the conversation goes back where it belongs — between the two of you.
Quiet reminders to both of you
No awkwardness for you
A shared ledger you can both see