A promise, kept.
A shared, interest-free record of loans between people who trust each other. No money moves; nothing is forgotten.
Interest-free by design
Qard hasan: you repay exactly what you borrowed. No interest, no fees, ever.
A record, not a wallet
No money moves through Wafa. It holds the agreement, so nobody has to keep score.
Tracked to settled
From the first ask to the final confirmation, every step on one shared timeline.
How it works
Four steps, from a favor asked to a debt settled.
- 01Pending
Request
A friend asks in plain words. AI tidies it into an amount, reason, and date.
- 02Countered
Decide
The lender approves, counters with new terms, or declines.
- 03Active
Transfer
Money moves between you, your own way. The borrower marks it sent.
- 04Settled
Settled
The lender confirms receipt. Done, and kept on the record.
A ledger you can trust
Every loan, on a calm shared page: who, how much, what for, and exactly where it stands. Amounts in plain numbers, status you can read at a glance.
Try it with a demo accountLent to
Aisha
Car repair before the weekend
Start with a single favor.
Lend or borrow, interest-free, and keep it on the record. It takes a minute.