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