Lending to friends should not live in WhatsApp.
A loan between friends deserves a shared record — amount, terms, and confirmations — with consent at every step. Not a forgotten chat from six months ago.
Connect first. Share only what you choose.
Send an invite link or a request to a discoverable handle.
The other person accepts before you create shared lending records. A connection does not open your personal accounts, balances, or transaction history.
- Mutually accepted connections
- Handle discovery is optional
- Reuse connected friends in expense-group invitations
From lending to repayment, one shared record
Keep the amount, agreed terms, and confirmations together.
Record money lent or request to borrow. Track receipt confirmation, one-time or installment schedules, and repayments confirmed by the other person. Changes to the repayment schedule need mutual acceptance.
- Clear outstanding and pending amounts
- Shared documents and agreement history
- In-app notifications and due-date reminders
From a friend to a shared trip
Invite connections when it is time to split a bill.
Choose or create an expense group from a connection and invite that friend without re-entering details. They still accept before gaining access. Kasho records payments made outside the app; it does not move money for you.