Original project

Udhari App

A relationship-safe lending product for money shared between friends and family. Udhari gives both people one agreed contract, an auditable repayment ledger, and a respectful conversation space so changing terms never become changing memories.

Origin: Original project
Role: Product, design & technology
Focus: Application
Engineering Area: Mobile
Domain: Consumer & community
Status: Prototyped

Why this should exist

Informal loans need structure without losing the relationship

Money between friends and family often starts with trust and ends with unclear terms. Udhari gives both people a shared contract, a conversation history, and an understandable ledger so repayment stays factual and respectful.

Problem and product

The problems

01
Verbal agreements become difficult to recall when terms change.
02
Partial payments and changing interest rules are hard to reconcile in chat.
03
Most finance products treat a personal relationship like a collections workflow.

What the product delivers

Versioned contracts approved by both people
Flexible multi-phase interest and repayment terms
Payments, wallet ledger, AutoPay, and balance views
Chat-first conversations with friendly reminders
English, Hindi, and Marathi localization
Typed repository architecture ready for a secure backend

Technology used

A stack chosen for the product

One Flutter codebase brings the contract and ledger experience to Android, iOS, and web. Typed repositories isolate product logic from the current local data layer and prepare the product for a secure transactional backend.

FlutterDartJSONAndroidiOSWeb

Architecture

How the system holds together

01
Shared contract
Every term change becomes a version that both people can review and approve.
02
Ledger engine
Payments, interest phases, balances, and AutoPay instructions resolve from an auditable transaction history.
03
Conversation layer
Chat keeps reminders and negotiation close to the agreement while financial state remains structured.

Estimated goals

A relationship-safe operating system for personal credit

The opportunity starts with transparent records and can expand carefully into verified payments, consent-based reminders, and community lending tools.

01
Validate contract comprehension with real lender and borrower pairs.
02
Connect regulated payment rails with clear reconciliation and consent.
03
Develop trust signals without turning private relationships into public credit scores.

Future goals are directional estimates and depend on user validation.

Extras

Product perspective

Primary audience: Friends, families, and small peer lending groups
Business model: Convenience fees for verified payments and premium contract tools
Product edge: The contract, ledger, and conversation stay understandable to both people

Execution principle

Validate the narrow customer promise first. Add scope only when evidence shows that it improves the outcome.

View source

Full project notes

Product and engineering deep dive

The project overview adds a concise presentation layer. The complete product details remain below.

From intent to implementation

A product direction shaped around a real use case.

A chat-first peer-to-peer lending product where both people can discuss a loan, agree on versioned repayment terms, record partial payments, manage AutoPay, and understand what they owe at a glance.

01 · The product response

What people can do with it

Versioned contracts approved by both people
Flexible multi-phase interest and repayment terms
Payments, wallet ledger, AutoPay, and balance views
Chat-first conversations with friendly reminders
English, Hindi, and Marathi localization
Typed repository architecture ready for a secure backend

Project sponsorship

Fund this project—from prototype to production.

Help Udhari App reach its next production milestone through stronger infrastructure, testing, accessibility, and product refinement.

Design validation and user research
Production infrastructure and security
Testing, accessibility, and launch readiness

Choose a sponsorship amount

Your sponsorship₹1,000

₹100₹1,00,000

Secure checkout by Razorpay. Sponsorship does not provide equity, ownership, or a guaranteed delivery date.

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