Borrow from people
who actually care.
Kindo turns awkward money asks into clear agreements. Friends and family lend to each other with structured terms, fair interest, and tracked repayments — in any currency, anywhere in the world.
kindo.money
Avg. friend rate
6.2%
vs ~4% in savings worldwide
Avg. funding time
38 hrs
from request to funded
Repayment rate
98.7%
across 2,400+ loans
The problem
People need money. Friends can help. But asking is awful.
You text mum. You ask a cousin. You pay 22% APR to a bank instead, because asking feels worse than paying. Meanwhile your friend with savings is earning roughly 4% from a regular account.
Kindo makes the ask structured, the terms visible, and the repayments automatic to track. So everyone says yes more often — and nobody loses sleep over it.
How it works
Four moves. One clean agreement.
Request from your circle
Set the amount, purpose, and how soon you need it. Send to specific friends and family — or open it to your whole network.
Define fair terms
Interest-free for 3 months. 5% for a year. Monthly, quarterly, or one final payment. Whatever works for both of you.
Multiple lenders, one loan
One request can be funded by multiple friends. Each lender keeps their own terms and tracking. No awkward splits.
Tracked repayments
Borrower marks paid. Lender confirms. Done.
Lender & borrower ratings
Build a reputation that travels with you across your network.
Stripe-ready
Online transfers when you want them. Offline when you don't.
For lenders
See your exposure. Beat the bank.
Every loan you make is tracked against a generic savings benchmark in your own currency, so you know exactly how much more you're earning by helping someone you love.
- Total active exposure across borrowers
- Projected return vs a savings benchmark
- Works in any currency — USD, EUR, GBP, INR, more
- Repayment progress and borrower ratings in one place
Sample loan
$2,000 · 12mo · 6%
You via Kindo
$120
Savings benchmark (4%)
$80
You earn extra
$40
Make money between friends a win-win.
Join the beta and be matched with people in your network who can help — or who you can help.