Clear agreements
Agree on the amount, repayment dates and expectations before money moves.
KinPay doesn't lend or hold your money. We document the agreement and keep both of you looking at the same record.
Lending money to someone you trust shouldn't mean tracking it in scattered texts.
Agree on the amount. Set the repayment plan. Keep track together. All in one place.
Create Your Agreement NowIt's free to get started
Hey, can I borrow $500?
9:41 AM
Sure! Let's set it up in KinPay.
9:42 AM
✓✓
Amount
$500.00
Repayment plan
5 payments($100 every 2 weeks)
Both confirmed in KinPay
9:41▮▮▮
Alex → Jordan
You lent Jordan
$500.00
Total agreement
Repayment plan
- $100May 15, 2026Paid
- $100May 29, 2026Upcoming
- $100Jun 12, 2026Upcoming
- $100Jun 26, 2026Upcoming
- $100Jul 10, 2026Upcoming
Shared balance
$400.00
Updated today
Trusted by thousands across 30+ countries
+20
1k+
Agreements Created
Rated 5 out of 5
Money between people runs on trust.
But trust alone is hard to manage.
People forget
Conversations disappear
Repayments become confusing
Misunderstandings happen
One shared place where both people always know where things stand.
KinPay creates one shared record for every agreement, so neither side has to rely on memory or scattered messages.
What was agreed
The terms are documented and confirmed by both sides from the start.
What has been paid
Every repayment is logged and visible to both people in real time.
What remains
The outstanding balance and upcoming schedule are always clear.
How KinPay works.
Four simple steps, from the first conversation to the final repayment.
- 1
Create an agreement
Set the amount, the repayment schedule and any conditions that matter.
- 2
Invite the other person
They review and confirm, so the terms are shared rather than assumed.
- 3
Track repayments
Each payment is recorded and the balance updates for both sides.
- 4
Stay aligned
Reminders keep everyone on schedule until the agreement is complete.
Clarity from agreement to repayment.
Everything you need to keep a personal agreement clear, on schedule and on the record.
Repayment tracking
See what has been paid, what is due and what remains at any moment.
Automatic reminders
Help both sides stay on schedule without awkward follow-ups.
Shared history
Every agreement, confirmation and repayment kept in one place.
Greater transparency
Both people see the same record, so nothing depends on memory.
A record you control
Completed agreements build a financial history that belongs to you.
Built on trust
Real people. Real agreements.
KinPay is not a lender and never holds your money. We provide the software that documents what was agreed and keeps an accurate record of what has been repaid — so the relationship stays as important as the money.
Read KinPay StoriesThe KinPay platform
One place for every financial relationship.
KinPay starts with agreements between two people, and extends to community savings groups and institutional lending on the same trusted foundation.
KinPay
Private financial agreements.
Document a loan or repayment plan between two people, then track every payment in one place.
Learn moreKinPay Circles
Digital community finance.
Run savings groups and rotating funds with clear contributions, payouts and member records.
Learn moreKinPay Nexus
Enterprise lending infrastructure.
Originate, service and monitor lending portfolios on shared, auditable trust infrastructure.
Learn moreBuilt to power financial services.
Digitise community finance, modernise lending operations, or embed lending directly into your platform with KinPay’s infrastructure.
Frequently asked questions
Can't find what you're looking for? Visit our Learning Centre or send us a message — we're happy to help.
Ready to get started with KinPay?
Create an account for personal agreements, or book a demo to explore KinPay for your organisation.