DebtKeeper
Private debt contracts between people — gamified, automated, merciless.
Installs like an app · push notifications on iPhone & Android
Run it like a war room — live interest, a Most Wanted board, dossiers and one-tap enforcement.
The meter is running
Watch interest accrue in real time, down to the cent per second. A live countdown shows exactly when the next charge lands.
It runs itself
Interest compounds automatically. Late fees apply themselves. Reminders chase due days. Expired demands enforce their own penalties.
Lucky draw
Can't decide the terms? Set a range and a risk level, roll the dice, and let fate write the contract. You approve before anything exists.
War room
Flip the skull on a problem borrower and their whole app turns blood-red: dossier stamps, surveillance brackets, reliability assessments.
Streaks & badges
Payment streaks, 13 collectible badges, debt-free projections with a what-if slider. Paying off debt, but make it addictive.
Consent built in
Borrowers confirm what they owe. Rate changes need a response — or auto-apply. Every penalty, every change, both sides notified.
How it works
Open a contract
Lenders create a debt with any terms — or roll the lucky draw. The borrower just needs an account.
Both sides keep it honest
Borrowers claim payments, lenders confirm them. Demands, bonuses and rate changes flow through the same consent machinery.
The machine does the rest
Interest, late fees, reminders, penalties, trust scores, badges — all automatic, both parties notified about everything.
Open a debt your way
Set every term by hand, or let the dice deal you one — you always approve before anything is created.
✍️ Custom
Principal, interest, repayment schedule, late fees — your call on every field.
🎲 Lucky draw
Pick a range and a risk level, roll, and approve the contract fate writes for you.
Your data stays yours
DebtKeeper is a personal project, not a data business. The promises below aren't marketing — they're how it's actually built.
We never sell your data
No ad networks, no data brokers, no third-party trackers. Ever. The app is the product — not you.
No tracking cookies
One cookie keeps you logged in, and that's the only one. No profiling, no pixels — which is why there's no annoying consent banner.
Your data, your call
Delete your account whenever you want and your personal data is erased. Edit or export it anytime.
Secured by default
Passwords are hashed, all traffic is encrypted, and your data is stored on an EU database.
Read the full Privacy Policy.
Someone owes you money?
Put it on the books. Let the machine collect.
Start keeping debts