Thirty seconds, three acts.
Record it.
Amount, names, due date. Plain-English terms drafted for you. Thirty seconds, honestly.
Both sign.
You sign with Face ID. They sign from a link on their phone — no download, no account.
It's sealed.
Hashed, chained, and timestamped by an independent authority. Neither of you can quietly change a word.
Open the seal. Check it yourself.
Every agreement carries a certificate: what was sealed, when, from which devices — and the fingerprints to re-verify it on your own phone, offline. You don't have to trust us. That's the point.
If they don't pay, you're not stuck.
Most people never need this section. It exists so you never have to write off a friend — or a loan.
Recording is free. You pay only if a loan goes wrong.
Record it, both sign, seal it, track repayment — free. 1 a month under C$500, plus 2 free when you join. Most people never pay us a cent, and that’s the point.
Recording a loan is free forever. You pay only for the collection tools, only if you need them. Prices in US dollars — the App Store charges in your local currency.
Fair questions.
A ChitSeal agreement is an ordinary contract that both people signed electronically. Electronic signatures are effective in Canada under provincial law — Ontario's Electronic Commerce Act, 2000 s.11 and its provincial equivalents — and in the US under ESIGN s.7001(a) and state UETA. It is deliberately drafted as a personal promise to a named lender, not as a promissory note or other negotiable instrument, because those are excluded from both regimes. Whether a court admits it, and how much weight it gives it, is always the court's call — but you'll walk into small claims with signatures, terms, and a tamper-evident record instead of a text thread.
No. They get a link, review the terms in their browser, and sign from their phone. No download, no account.
We won't pretend: ChitSeal can't force anyone to pay. What it can do is leave you holding a record that is hard to argue with — reminders on the record, a notice you write from the sealed agreement, and a full evidence pack if you decide to file.
Agreements are stored with a small set of vetted providers, encrypted in transit and on their disks (see our privacy policy). The seal itself can be verified on your own device, offline — you don't have to trust our servers to prove your record is intact.
Recording a loan is free — 1 a month under C$500, and 2 free when you first join. You only pay if a loan goes wrong, and only for the evidence pack: US$29. Writing a notice is free. If you lend more often, Pro (US$5.99/mo) covers 15 agreements a month plus larger loans and ID verification.