A shared ledger for loans between people who already trust each other.
Kin keeps the record and does the awkward part — the reminders, the “did it arrive?”, the gentle nudge when it’s been a while. You move the money however you already do. We just make sure nobody has to be the one to bring it up.
Free forever for zero-interest loans. Charging you to be kind would be a bit rich.
Nothing counts until you both agree it happened.
Why it works
Anyone can scribble “$5,000” on the back of a napkin. What actually wears on a friendship is the remembering, the reminding, and the slow cold war over whether you already paid it back. So Kin steps quietly into the middle and takes those bits off both your hands.
Not a single cent passes through Kin. You send it the way you always have — Venmo, a bank transfer, cash, a folded bill in a birthday card — and we simply write down what the two of you say happened.
We’re the notebook. Never the wallet.
Agreeing here is a handshake that happens to be written down. Plain words, no fine print, nothing that makes your cousin feel like she’s being deposed. It should feel like the favour it actually is.
Nothing becomes real until you both nod at it. One person logs a payment, the other says “yep, got it,” and only then does it count. Which means the argument that begins with “I definitely paid you back” simply never gets going.
The reminders, the nudges, the “any chance you could send a little this month?” — all of it comes from us, in a friendly note. You get to just be the friend who helped out. We’ll gladly play the one who brings it up.
The whole arc
Every awkward moment in lending to someone you know maps to a step we quietly absorb.
Amount, the date you’d like it back, interest or none, and when the money actually changes hands — today, next Tuesday, whenever suits. If it’s later, we’ll poke you when it’s time to send it.
They get an email, read exactly what you’re proposing, and tap agree. Nothing’s owed and nothing’s live until they do — so you’re never the one deciding what they owe. You land on it together.
Either of you logs a payment; the other confirms. We send the reminders so you never have to. Need a few more days? Ask in a single tap — no grovelling involved.
Kin is a quiet attempt to fix that — grown-up enough to keep everything clear, easy-going enough that nobody feels strange pulling it out at the kitchen table.