You lend money and keep the amount in your head
Personal debts, confirmed in WhatsApp
For money lent to friends, relatives, or acquaintances when both sides need one clear record.
Choose who the debt is with, set the direction and amount, add an optional note, and send it for confirmation.
OweMe
WhatsApp bot
Debt
Who is this with?
Alex
What happened?
They owe me
Enter the amount
120 USD
Confirmation sent to Alex.
What would you like to do?
1 chat
to record a debt
2 sides
confirm the amount
always
visible in balance
The agreement gets buried in chat history
Closing the balance later becomes another debate
A debt becomes a shared record
Known contacts receive a confirmation directly in WhatsApp. For a new person, OweMe creates a shareable WhatsApp link. The balance changes only after confirmation.
01
Choose a person
Pick someone from your history or start with a new contact.
02
Set the debt
Choose who owes whom, enter the amount, and add a note if useful.
03
Get confirmation
Send the request directly or share the WhatsApp link.
04
Settle transparently
A confirmed settlement keeps the ledger history intact.
So memory is never the source of truth
Both debt directions
Optional context note
Balances by currency
Confirmed settlements
Record one debt while the details are fresh
Create a confirmation request in WhatsApp and keep the open amount clear for both sides.