Launched this week

PactApp

Launched this week

Legally binding loan contracts between friends — in 3 min

6 followers

Legally binding loan contracts between friends — in 3 min

6 followers

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PactApp generates legally binding loan contracts between individuals. eIDAS electronic signatures, automated repayment schedules, tax form generation. 9 EU countries, 4 languages. The borrower signs in 1 click with no account. Free.

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Launch tags:Fintech•Legal•Finance

Launch Team

Framer — Launch websites with enterprise needs at startup speeds.

Launch websites with enterprise needs at startup speeds.

Promoted

Maker

📌

Hey Product Hunt, Two years ago, I lent 3,000 EUR to a family member. No contract, no written trace — just a bank transfer and a verbal promise. Six months later, radio silence. The topic became taboo at family gatherings. We stopped talking about the money, but we also kind of stopped talking. I looked for a simple solution. A notary: 500 EUR minimum and a two-week wait. Word templates found online: no real legal value. Existing apps: either US-based or designed for B2B. So I built PactApp. The idea is simple: generate a legally binding loan contract, have both parties sign it electronically, then handle the repayment schedule and reminders automatically. What makes us different: - eIDAS signatures (PAdES-B/T) — the same standard European banks use - Fully on-device KYC — zero biometric data sent to our servers - Multi-jurisdiction — 9 European countries with templates adapted to local law - The borrower doesn't need an account — they sign via a link in 1 click - Tax forms auto-generated for French fiscal compliance (Cerfa 2062) In Europe, peer-to-peer loans between individuals amount to billions of euros every year. The vast majority happen with zero legal framework. PactApp doesn't replace a lawyer — but for a 500 or 5,000 EUR loan between friends, nobody goes to a lawyer. You just want it to be clear, written, and protected. It's free for 2 contracts. I'd love your feedback — on the product, UX, pricing, anything. I read every comment. Thanks for checking it out.

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2d ago

This is a great example of turning a very human problem into a well-scoped product.

What stands out to me is the trust layer you’re building - especially with:
– eIDAS signatures
– on-device KYC
– multi-jurisdiction compliance

That’s not trivial to get right.

I’m curious how you’re thinking about trust vs friction as you scale:
For example, balancing strong verification (KYC, signatures) with keeping the flow lightweight enough that people actually use it for small, informal loans.

Feels like there’s a lot of interesting engineering/product tradeoffs there, especially across different countries.

Really solid direction - excited to see how this evolves.

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1d ago

Framer — Launch websites with enterprise needs at startup speeds.

Launch websites with enterprise needs at startup speeds.

Promoted

Maker

📌

Report

2d ago

This is a great example of turning a very human problem into a well-scoped product.

What stands out to me is the trust layer you’re building - especially with:
– eIDAS signatures
– on-device KYC
– multi-jurisdiction compliance

That’s not trivial to get right.

Feels like there’s a lot of interesting engineering/product tradeoffs there, especially across different countries.

Really solid direction - excited to see how this evolves.

Report

1d ago