Tamper-proof timeline
Every action — creation, edits, payments, settlement — lands on a full audit trail that both people see and neither can quietly rewrite. This is the record that holds up later.
A digital witness for money between people
Two sides. One record. Zero “he said, she said.”
ePatto turns an informal money agreement into a verified, tamper-proof record.
You already made the deal — the handshake, the “pay me back next month.” ePatto just makes sure there's a record both of you signed off on: live photo proof, GPS, and a timeline neither side can edit after the fact.
Free to start — record your first 3 agreements at no cost. No card required.
Settled
On recordBoth confirmed
$2,500
Owed toJames K.
Owed bySarah R.
Photo Proof
Activity
Record created with mutual consent2:34 PM
Photo proof captured2:35 PM
$500 repayment recordedMar 15
Built for proof, not promises
How ePatto makes a record tamper-proof
Live photo proof
Camera only. Gallery uploads are blocked — proof is captured in the moment.
GPS + server time
Every record carries a location and a server-verified timestamp.
Device-fingerprinted
Each entry is tied to the device that made it.
Tamper-proof timeline
Once it’s recorded, no one can quietly rewrite it.
ePatto is a record-keeping tool — not a lender, bank, NBFC, or loan provider. We don't lend money, hold funds, or match borrowers with lenders. We create the proof for agreements people make on their own.
Live on the App Store and Google Play. Free to download on iPhone and Android.
The real cost of “I'll pay you back”
The money's awkward. Forgetting the details is worse.
Most money between people is built on trust and memory. Memory is where friendships go to argue.
A loan to your cousin. An advance to a contractor. A chit fund with five friends. It all starts warm — and then someone remembers $10,000 and someone remembers $8,000. Was it due in March or May? Did that last payment count? With no record, the only thing left to fight over is who's lying.
01
Two memories, one truth
Each side remembers the version that favors them. Nobody’s lying. Everybody’s wrong.
02
Nothing to point to
No date, no amount agreed in writing, no proof anything was ever paid.
03
The relationship pays
Chasing a friend for money costs more than the money. So people just… don’t.
You shouldn't need a lawyer to lend your brother $20,000. You just need a record you both agreed to.
From handshake to on-the-record in minutes
Both sides agree. Then it's locked.
ePatto doesn't move money. It records the agreement you already made — and gets both people to confirm it.
1
Set the terms
Write down what was agreed
Amount, who owes whom, the repayment schedule, any interest. Plain and clear, in both people’s words.
2
Capture live proof
Snap the proof, on the spot
Open the camera and capture the moment. Gallery uploads are blocked, so proof is real and current. GPS and a server timestamp ride along.
3
Both confirm
Two-way handshake
The other person reviews and confirms the same terms. No record exists until both sides say “yes, that’s right.”
4
Track to settled
Watch the balance fall
Record each repayment with a running balance. When the debt hits zero, both sides confirm closure — and it settles for good.
Why a screenshot won't hold up — and an ePatto record will
Locked three ways the moment it's made
A photo can be faked. A text can be deleted. An ePatto record is sealed by three independent locks at the instant it's created.
Lock 1 — Live capture
Proof is taken through the camera in real time. No uploads, no old photos, no edits.
Lock 2 — Place & time
GPS and a server-verified UTC timestamp are stamped on every entry — not your phone's clock, ours.
Lock 3 — Both signatures
The record only exists once both people confirm the same terms. One side can't invent it.
This isn't a loan contract. It's the proof that the agreement happened, exactly as both sides described it.
Everything that goes on the record
Built to be believed later
The free tools keep the agreement honest. Premium adds the paperwork for when “honest” needs to be “official.”
Free — on every record
Structured agreements
Amount, terms, and schedule both people accept up front.
Live photo proof
Camera-only capture — no gallery, no fakes.
GPS + verified time
Where and when, sealed by our server, on every record.
Partial payments
Log repayments and watch the running balance drop.
Smart reminders
Gentle nudges so you never have to be the one who asks.
Premium — advanced trust tools
Interest calculator
APR plus the Indian ₹-per-100-per-month convention. Simple, compound, or flat.
PDF export
A clean, shareable record for legal or formal use.
Identity verification
Add verified identity (KYC) to the people on a record.
Referral rewards
Invite people, earn free premium days.
Start free with 3 records. After that, premium is a simple monthly or yearly subscription — priced for your region and shown only in the app. No surprises, no card just to look around.
For people whose money lives on trust
If you've ever said “just pay me back whenever” — this is for you
ePatto fits the money that happens between real people, off any platform.
Friends & family
The loan to your sibling, the help with rent, the “I’ve got you this month.” Keep it kind by keeping it clear.
Small businesses
Advances to suppliers, credit to regulars, money owed across the counter. Track it without souring the relationship.
Freelancers & contractors
Deposits, milestone payments, the half-now-half-later deal. Proof of what was agreed, signed by both.
Chit funds & group savings
Pooled money among a circle of people. Everyone sees the same record, no one rewrites it.
India and the US, friends and strangers, $500 or $5,000 — if there's an agreement, ePatto can put it on the record.
0 free
records to start — no card required
0-way
confirmation before any record exists
100%
camera-verified — no gallery uploads
0
silent edits after a record is made
Before you ask
Questions people actually have
Is ePatto a loan app? Do you lend money?
No. ePatto never lends money, holds funds, or connects borrowers with lenders. It is a record-keeping tool — you and the other person make the agreement on your own, and ePatto creates the verified proof of it.
What if the other person later changes their story?
They can’t change the record. It only exists because both of you confirmed the same terms, and every entry is locked with live photo proof, GPS, a server timestamp, and a timeline no one can edit after the fact.
Why are gallery uploads blocked?
Because an old screenshot proves nothing. Forcing live camera capture means the proof was taken in the moment, at a real place and time — which is exactly what makes it hard to fake.
Is an ePatto record legally binding?
ePatto is not a contract and not legal advice. It is strong, timestamped evidence that an agreement was made and confirmed by both sides — the kind of proof that helps when memory and good faith run out. Premium PDF export gives you a clean copy for formal use.
What does it cost?
Your first 3 records are free, with no credit card. After that, premium is a simple monthly or yearly subscription, priced for your region and shown only in the app. Nothing is charged automatically when your free records run out.
Who can see my records and data?
Only the two people on a record can see it. ePatto collects what it needs to make proof trustworthy — like location and live photos on an entry — and never sells your data. See our Privacy Policy for the full picture.
Is ePatto on Android?
Yes — ePatto is live on both iPhone and Android. Download it free from the App Store or Google Play, and record your first 3 agreements at no cost.
Beta program
Become an ePatto beta tester
We ship new features to a small group of testers before everyone else. Join the beta to try them first, send feedback straight to the team, and help shape the most trusted way to put money on the record.
Stop trusting your memory. Start trusting the record.