kasama.loan is a peer-to-peer financial ledger built on a rigid two-way verification loop. It helps friends, family, and groups keep track of casual debts, shared expenses, and item loans — and settle them without the awkwardness.
Features
Everything you need to settle up
Two-way verification
No balance moves until both people agree. The Confirmation Wall keeps every ledger honest.
Frictionless entry
Log a debt in seconds. Smart defaults and recent contacts do the typing for you.
Guest onboarding
Lend to anyone with a link or QR. To confirm, they sign in with Google — seconds whether they're new or already on kasama.loan.
Group splits
Trips and shared bills settle automatically with exact, centavo-accurate math.
Verifiable documents
Turn any confirmed loan into a formal PDF — with a scannable QR and a hash anyone can check at kasama.loan/verify.
Interest & installments
Add interest and a repayment schedule for more formal loans — your first is free, unlimited with Pro. Plain IOUs always stay simple.
How it works
The Confirmation Wall
A debt isn't real until both sides say so. No one can put a number on you without your okay.
1You log it
₱500.00
You lent Ben
Pending confirmation
It counts as nothing until Ben agrees.
2Ben confirms
Lyndon says you owe ₱500.
ConfirmReject
Only the real Ben can accept — or dispute it.
3Now it's real
₱500.00
You lent Ben
Active · confirmed
The balance updates for both of you.
Proof on paper
A document anyone can verify
Turn any confirmed loan into a formal, Spectral-set PDF — both parties, terms, the full confirmation timeline, a SHA-256 verification hash, and a scannable QR. Anyone can re-check it against the live ledger at kasama.loan/verify, so an edited screenshot is caught instantly.
kasama.loan
ACKNOWLEDGEMENT OF DEBT
PARTIES
TERMS
CONFIRMATION TIMELINE
✓SHA-256 verification · authenticated via Google
Pricing
Free to track. Pro when you mean business.
The whole ledger is free. Pro just adds the power-lender extras — no hidden gates.
Free
₱0 free
Unlimited loans, confirmations & group splits
Guest links & QR onboarding
Your first interest/installment loan
Formal PDF documents at ₱50 each
Supported by unobtrusive ads
ProBest for lenders
₱150 / month
✦ Free 7-day trial — cancel anytime before it ends and pay nothing.
Everything in Free
No ads, anywhere
Unlimited formal PDF documents
Unlimited interest & installment loans
Upgrade anytime from inside the app. Cancel whenever.
On the roadmap
Native Android & iOS apps. For now, kasama.loan works in any browser and installs to your home screen like an app.
Lender tools. A dedicated view for people who lend often — portfolio, schedules, and reminders — built on the same honest, two-way ledger.
Friend circles & richer group tools for the people you settle up with most.
Want the deeper picture? Read the kasama.loan whitepaper — how the two-way verification ledger works, the trust model, and where it's headed.
Disclaimer. kasama.loan is a record-keeping and agreement tool, not a financial institution, lender, or notary. It does not move, hold, advance, or guarantee funds, and it provides no financial, legal, or tax advice. Documents generated by kasama are evidence of a mutually recorded agreement and are not, by themselves, legal instruments. Users are responsible for the loans they record and for compliance with applicable local law.
