PACTLY@

Pactly · Clear accounts keep friendships strong

You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates?
Pactly turns these awkward money moments into clear, calm agreements.

— A pact is sacred. Every cent validated on both sides. —

LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE
• Create a loan in 10 seconds, the other party validates with a tap.
• Every repayment requires both parties to approve.
• Attach payment proof (photo, transfer screenshot) in a few taps.
• Clear deadlines: automatic reminders before due date.

TONTINES & ROSCAs
• Create a rotating savings group with friends or family.
• Track contributions and payouts in real time.
• Tontine Mirror AI suggests the best partners based on trust scores.

OBJECT LOANS
• Lend your book, camera, tools… without ever forgetting.
• QR code scanning for instant identification.
• Photo of the item before lending + automatic return reminder.

SHARED BILLS & EXPENSES
• Split rent, groceries, nights out.
• Auto-calculates who owes whom.
• PDF export of monthly statements (admin-friendly).

SECURITY & PRIVACY
• Face ID / Touch ID to unlock the app.
• Incognito mode hides amounts in public.
• End-to-end encrypted conversations.
• GDPR-compliant, data stored in Europe.

INTERNATIONAL
• Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian.
• Multi-currency (USD, EUR, GBP, CHF…).

PACTLY PREMIUM (optional)
• Unlimited loans and tontines.
• Monthly PDF statement export.
• Advanced multi-level reminders.
• Unlimited history and statistics.
• Extended Trust Score with AI coach.
• Priority support.

Pricing:
• Monthly: $14.99/month
• Annual: $129.99/year (save 28%)

Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions.

FREE FEATURES
• 3 simultaneous active loans free.
• Unlimited bilateral validation.
• Real-time notifications.
• Multi-device sync.

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Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides.

Download Pactly today and rediscover the joy of lending without worry.

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Support: support@pactly.app
Terms: https://pactly.app/terms
Privacy: https://pactly.app/privacy