Watheq: Digital Debt Contracts

Personal Loan Agreements

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Watheq - Trust, Documented. The world’s first collaborative digital ledger designed specifically for personal loans, shared expenses, and debts between individuals. Money shouldn’t ruin relationships. Watheq is the simplest, most secure way to officially document personal debts between friends, family, and colleagues. While inspired by the ethical principles of fairness and transparency found in Islamic tradition, Watheq provides a neutral, professional framework designed for everyone to "get it in writing" - ensuring every loan is clear, witnessed, and honored. Strictly Interest-Free Watheq is built exclusively for benevolent, 0% interest loans. We help communities support each other without the burden of usury, hidden fees, or predatory lending. Key Features: - Smart Contract Wizard: Create and sign a legally robust promissory note or loan agreement right on your phone in under 60 seconds. - Virtual Witnessing: Add credibility to your agreement by adding up to 3 witnesses. They can securely review and attest to the terms via a quick link - no app download required for them! - Real-Time Settlement Tracking: Watch the progress of your contract visually. Accurately track what you owe and who owes you, and officially mark loans as "Settled" once paid back. Flexible Terms: - Need more time? Borrowers can cleanly request a repayment extension, and lenders can gracefully forgive remaining debt right from the app. - Automated Push Notifications: Instantly alert the other party when a contract is created, signed, or settled. - Multi-Currency: Full support for USD, GBP, EUR, SAR, AED, TZS, and many more, with automatic dashboard aggregation. - Bank-Grade Security: Your financial data is yours alone. Protected by strict biometric App Locks (FaceID/TouchID) and military-grade encryption. - Professional PDFs: Generate clean, professional PDF copies of your agreements to share via email, WhatsApp, or to print for your records. - Global Accessibility: Seamlessly supports Light & Dark modes and is natively translated into 8 languages (English, Arabic, French, Swahili, Turkish, Indonesian, Urdu, and Bengali). Preserve your wealth, and more importantly, preserve your relationships. Download Watheq today.

  • 5.0
    out of 5
    1 Ratings

1. Cleaner App Logs - Replaced informal log messages with proper ones that automatically hide in live app builds, keeping sensitive information more secure. 2. Stability & Display Fixes - The greeting on the dashboard now handles missing name information more gracefully, avoiding unexpected crashes. Identifying guest witnesses on contracts is now more reliable, ensuring they display correctly every time. 3. Better Error Handling - When submitting feedback fails, the app now properly catches the issue and notifies the user instead of failing quietly in the background.

The developer, The Gahitwen, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
  • The Gahitwen, LLC
Size
  • 35.1 MB
Category
  • Finance
Compatibility
Requires iOS 13.0 or later.
  • iPhone
    Requires iOS 13.0 or later.
  • iPad
    Requires iPadOS 13.0 or later.
  • iPod touch
    Requires iOS 13.0 or later.
  • Mac
    Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Silver Support $9.99
  • Gold Support $24.99
  • Bronze Support $2.99
Copyright
  • © 2026 The Gahitwen, LLC