Ụgwọ keeps quiet track of who owes you and who you owe — friends, family, colleagues. Log a debt in seconds, send face-saving reminders, and settle with dignity. Keep track. Keep the peace.
Informal lending runs on trust — and trust runs on memory. Ụgwọ remembers every kobo for you, so awkward conversations never have to happen.
Who, how much, when, and an optional due date. One floating button, one short form, done.
Your home screen is a list of people and where you stand with each — one clean net balance per person.
"Hi Tobi, gentle reminder about the outstanding ₦70,000 from 14 June. Thank you 🙏" — composed for you, shared your way.
Due-date alerts at 7, 3 and 1 day out — scheduled privately on your phone. Our servers can't even see the dates.
Export a beautiful statement of every debt and repayment — generated entirely on your device.
No streaks, no gamification — just one quiet moment of joy every time a debt is fully settled.
Debts are personal. Ụgwọ encrypts every record on your phone before it ever leaves — names, amounts, dates, notes. What reaches our servers is unreadable ciphertext.
AES-256-GCM with a key only your devices hold. Our servers sync ciphertext they cannot read.
Face ID, fingerprint, or your phone's PIN protect the app. Nothing extra to remember.
Your ledger lives on your phone first. No signal, no problem — sync catches up when you're back.
Export everything as a PDF, or delete your account and every record in one tap.
Free. Private. Relationship-first.