Now live — India · Singapore · Indonesia · Philippines · USA

Get what's
owwed.

Without the awkward ask.

Track informal loans, send culturally intelligent reminders, charge interest automatically — and recover what you're owed without a single uncomfortable conversation.

Start on WhatsApp — free See how it works →
🇮🇳 India
·
🇸🇬 Singapore
·
🇮🇩 Indonesia
·
🇵🇭 Philippines
·
🇺🇸 USA
·
🇳🇴 Norway
₹5,337 recovered — 45 days overdue– SGD 2,800 paid same day after first reminder– $1,400 — "client had simply forgotten"– 87% of loans recovered within 30 days– Rp 4.5M settled via payment plan– ₹28,000 recovered in one week– ₹5,337 recovered — 45 days overdue– SGD 2,800 paid same day after first reminder– $1,400 — "client had simply forgotten"– 87% of loans recovered within 30 days– Rp 4.5M settled via payment plan– ₹28,000 recovered in one week–
How it works

Three steps.
Thirty seconds.

No app to download. No account needed. Lives in WhatsApp — where money conversations already happen.

01

Record the loan

Message Owwed on WhatsApp. Name, amount, due date. Done in under 30 seconds. Borrower gets a confirmation — creating a timestamped, mutually-acknowledged record neither party can dispute.

02

Owwed handles everything

Culturally intelligent reminders go automatically. India gets relationship-first framing. Singapore gets professional directness. US gets outcome focus. Interest accrues and is communicated clearly. You never decide what to say.

03

Get paid. Stay friends.

87% of loans recover within 30 days. For the rest, Owwed generates payment plans, formal demand letters, and small claims filing guides — jurisdiction-specific, automatically.

WhatsApp-native

Lives where the
money conversation
already does.

Borrower confirms receipt
Creates a legally-admissible record from day one. Both parties protected.
Cultural tone engine
India, Indonesia, Philippines, Singapore, US — each market gets the right message automatically.
Legal escalation built in
Lok Adalat (India), Small Claims Tribunal (Singapore), state courts (US). Documents in seconds.
9:41●●●
Owwed
● Online
new loan
Who did you lend to?
Type nameContacts
Priya +91 98765 43210
How much?
5000
Due date?
1 week2 weeks1 month
2 weeks
✅ Done. Priya notified. Track at owwed.com/loans
Global by design

Every market where
money flows informally.

860 million WhatsApp users across Asia. $300B+ informal lending in the US. One product, built for all of it.

🇮🇳
Priority market — launch here first
India
500M+ WhatsApp users. ₹200B+ informal lending annually. Relationship-first tone. Hindi + English. UPI integration. Lok Adalat legal pathway. ₹299/month.
15M+
potential users in freelance + SME sector
🇸🇬
Highest revenue per user
Singapore
Professional market. Small Claims Tribunal. SGD 15–25/month. Gateway to all of SEA.
SGD 25
avg monthly revenue per user
🇮🇩
170M WhatsApp users
Indonesia
Face-saving culture. Indirect Bahasa messages. GoPay integration.
170M
WhatsApp users
🇵🇭
Relationship-driven
Philippines
Warm Filipino framing. Po/Opo respect markers. GCash payment links.
90M
WhatsApp users
🇺🇸
Highest price point
United States
$300B+ informal lending. SMS-native. State-specific small claims filing kit. $9.99/month.
46%
of Americans owed money by friends
🇳🇴
Home base · EU credibility
Norway / EU
GDPR-compliant by default. Late Payment Directive. EU-registered = global trust signal.
€27
Firm plan — EU accounting firms
Pricing

Start free.
Pay when you recover.

Every plan pays for itself with the first loan you get back.

Free
₹0
forever · no card needed
  • 3 active loans
  • Basic reminders
  • Reliability score
  • WhatsApp bot
Get started
Solo
₹299
per month · ~€3.20
  • Unlimited loans
  • Interest calculator
  • Cultural tone engine
  • Full dashboard + history
  • Payment plans
Start free trial
Pro
₹799
per month · ~€8.50
  • Everything in Solo
  • Legal doc generation
  • Client scoring analytics
  • Invoice integration
  • Priority support
Get Pro
Firm
₹2,499
per month · ~€27
  • Everything in Pro
  • 5 team seats
  • White-label messages
  • CA / accountant dashboard
  • Bulk management
Contact us
What people say

Real loans.
Real recoveries.

★★★★★
"45 days overdue. Owwed sent the interest notice. He paid the next morning. I was genuinely shocked it worked."
RK
Rahul K.
Freelance designer · Pune
★★★★★
"My friend owed me SGD 1,800 for three months. I was too uncomfortable to bring it up. Owwed sent the reminder. He paid same day."
JL
Jessica L.
Consultant · Singapore
★★★★★
"The messages sound so human. My client apologised and paid within the hour. Never had that happen before."
AS
Arjun S.
Agency owner · Bangalore
Start today

Stop losing money
to awkward silence.

First loan tracked free. No signup. No card. Just WhatsApp.

Open WhatsApp — it's free

India · Singapore · Indonesia · Philippines · USA · Norway