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. Collecting is where we charge.
3 everyday loans a month (under C$500) — sealing, signing, tracking, all of it.
Unlimited agreements, larger ID-verified loans, advanced templates.
Recording a loan is free forever. We charge when it's time to collect.
Fair questions.
A ChitSeal agreement is a signed, timestamped contract — the same thing a court looks for on paper. Whether it holds up depends on your jurisdiction and the loan itself, 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 make the debt undeniable — reminders on the record, a formal demand letter, and a court-ready evidence pack if you decide to file.
Agreements are stored encrypted with a small set of vetted providers (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 — three a month, under C$500. Pro is C$29.99 a year for unlimited and larger loans. Collection tools are pay-per-use: a demand letter is C$9, an evidence pack C$19.