Structured Agreements
Define amount, terms, repayment schedule, and conditions in a clear, standardized format both parties agree to.
Informal agreements break down because there's no proof. ePatto fixes that with verified records, live proof, and structured tracking.
Everything you need to create and manage verified agreements.
Define amount, terms, repayment schedule, and conditions in a clear, standardized format both parties agree to.
Take photos directly in-app — gallery uploads are blocked. Every image is captured live and timestamped at the source.
Every deal records precise GPS coordinates and server-verified timestamps, creating an immutable record of context.
Each device is uniquely identified and linked to the user's account, preventing impersonation and unauthorized access.
Every action — creation, edits, payments, disputes — is logged in a tamper-proof timeline visible to both parties.
Record repayments as they happen. Track remaining balance, payment history, and completion percentage automatically.
Close deals with mutual two-way confirmation. Both lender and borrower must agree the deal is settled.
Automated payment reminders based on the agreed schedule. Never have to send that awkward 'where's my money' text.
Professional-grade features for serious lenders and complex agreements.
Full APR support plus Indian-style 'rupees per 100 per month' convention. Simple, compound, and flat rate modes.
Generate professional PDF documents of any deal with full details, proof images, and timeline — ready for legal use.
Enhanced KYC with document upload and verification. Adds an extra layer of trust for high-value agreements.
We're building powerful new trust tools — witness verification, trust scores, guarantor support, and more. Stay tuned.
Coming SoonInvite friends and earn free premium days. Both you and the person you refer get rewarded when they complete their first deal.
Unlock all advanced features with a monthly or yearly subscription. Start free with 3 deals, then upgrade when you need more.