Available worldwide — 180+ countries

money moves.

trust stays.

The only app that tracks every financial obligation you have and makes sure the other person knows it too.

Personal loans · Group bills · Cards · EMIs · Subscriptions · Insurance · Deadlines

Download on App Store Get it on Google Play

8 categories

Every financial obligation. Finally under control.

🤝
Personal Debts
Lent money? Borrowed some? Log it in seconds. Both sides confirmed. No more "I forgot."
💳
Credit Cards
See your real debt cost, daily. Know exactly when and how to pay it off.
🏦
EMIs
Every instalment tracked. Prepay smarter. Never miss a payment again.
🔁
Subscriptions
Stop paying for things you forgot you subscribed to. Waste score included.
🛡️
Insurance
Are you actually covered? Find out. Get reminded before it lapses.
Deadlines
Tax. Visa. Rent. Challan. 50+ categories. One place. Zero excuses.
📨
Requests
Need money from your circle? Request it, track it, convert it to a loan automatically.
👥
Groups
Split bills, simplify who owes what, and close it with a signed certificate.

How it works

From handshake to settled — in 4 steps.

01
Log it
Add any loan, bill, or obligation in under 10 seconds. No paperwork. No friction.
02
Confirm it
The other party taps a WhatsApp link and verifies. Mutual. Binding. Done.
03
Track it
Live status, smart reminders, and a Trust Passport that builds with every repayment.
04
Settle it
Mark as paid. Generate a receipt. Close the loop — with proof on both sides.
Trust Passport

Your reputation travels with you.

Every repayment builds your score. Every commitment kept raises your standing. Share your Trust Passport before anyone lends you money — across 180+ countries.

"Banks ask for CIBIL. People ask for nothing."

300–900
Score range
180+
Countries
Public
Verifiable link
setlr

Stop tracking in your head.

Free to start. No bank account needed. Available worldwide.

Download for iOS Download for Android