Currently in Development

Private lending,
done right.

Knippix helps you document, manage, and track personal loans between friends, family, and acquaintances—with transparency built in.

✓ Free to use
✓ Blockchain ready
Loan Agreement
€2,500.00
Repaid €1,500 / €2,500
From Alex M.
To Jordan K.
Status On Track
A
Hey, can you lend me €500? I'll pay you back next month 👍
B
Sure, no problem!
3 months later...
B
Hey, about that €500... 😅
A
What €500? I thought that was a gift? 🤔
⚠️
Sound familiar? Informal loans often lead to misunderstandings and damaged relationships.
The Problem

Informal loans break trust

We've all been there. A friend needs money, you want to help. But without clear terms, things get awkward. Was it a loan or a gift? When should it be repaid?

These misunderstandings don't just cost money—they cost friendships.

  • ✕
    No written record of the agreement
  • ✕
    Unclear repayment terms
  • ✕
    Awkward conversations about money
  • ✕
    Damaged relationships over disputes
The Solution

Knippix brings clarity to private lending

A simple platform to document your agreements, track repayments, and keep everything transparent.

Document Everything

Create clear, digital loan agreements that both parties can reference anytime.

Total Transparency

Both lender and borrower see the same information—no surprises or confusion.

Built on Trust

Fair terms, clear expectations, and a neutral platform for everyone.

✨ Coming Soon

Decentralisation & Blockchain

In the future, Knippix will integrate blockchain technology to provide an extra layer of trust and transparency. But what does that actually mean?

Immutable Records

Once recorded, loan agreements can't be secretly changed or deleted.

Decentralised Trust

No single company controls your data—it's distributed and secure.

Verifiable History

Anyone can verify that an agreement existed and what was agreed.

Stay ahead of
the curve.

Join our community for early access, beta invites, and dev updates.

How it works

Simple, fast, and fair.

Get setup in minutes and remove the awkwardness from your personal loans forever.

Loan Amount
€1,500.00
Monthly Payment
€150.00
Duration
10 months
01

Agree on Terms

You and your friend decide on the loan amount, repayment schedule, and any other details that matter to both of you.

  • ✓
    Set the loan amount
  • ✓
    Choose repayment frequency
  • ✓
    Add any notes or conditions
02

Document the Agreement

Create a digital record of your agreement on Knippix. Both parties can see and confirm the terms.

  • ✓
    Enter agreement details
  • ✓
    Both parties review and confirm
  • ✓
    Secure digital record created
✓
Alex (Lender)
Confirmed
✓
Jordan (Borrower)
Confirmed
Agreement Created
March 15, 2024
Progress
60%
✓
Apr 15
€150
✓
May 15
€150
✓
Jun 15
€150
Jul 15
€150
03

Track Repayments

Log payments as they happen. Both lender and borrower always know exactly where things stand.

  • ✓
    Log each payment
  • ✓
    See remaining balance
  • ✓
    Get friendly reminders
04

Close the Loan

Once everything is repaid, mark the loan as complete. Clean, clear, and no loose ends.

  • ✓
    Final payment logged
  • ✓
    Both parties confirm
  • ✓
    Loan marked complete

Loan Complete!

All €1,500.00 repaid

Closed on August 15, 2024
Future Vision

Enhanced by blockchain

We're building Knippix to integrate with blockchain technology in the future. This means even more trust, security, and transparency for your agreements.

Permanent Records

Your agreements will be stored in a way that can never be secretly changed or deleted.

Verifiable Truth

Anyone involved can verify that an agreement exists and see its exact terms.

No Middleman

Decentralised storage means no single company controls your data.

Ready to simplify
your loans?

No more awkward conversations. Just clear, documented agreements.

For Lenders

Help others without the worry

You want to help a friend or family member. That's admirable. Knippix helps you do it with confidence and clarity.

You
Your Active Loans
2 agreements
To: Jordan
€800
75% repaid On track
To: Sam
€350
40% repaid On track

Why documenting matters

When you lend money to someone you care about, you deserve peace of mind. A clear record protects everyone.

Without documentation

  • ✕
    Relying on memory for amounts and dates
  • ✕
    Awkward reminders and conversations
  • ✕
    Disputes about what was agreed
  • ✕
    Potential damage to the relationship
  • ✕
    No proof if things go wrong

With Knippix

  • ✓
    Clear record of all terms and amounts
  • ✓
    Automatic payment tracking
  • ✓
    Both parties see the same information
  • ✓
    Professional approach protects friendship
  • ✓
    Digital proof of the agreement

Lending with confidence

Features designed to give you peace of mind while helping others.

Clear Agreements

Create detailed records that specify exactly what was agreed—amount, terms, schedule.

Full Transparency

Both you and the borrower see the same dashboard. No confusion, no surprises.

Payment Tracking

Watch progress as payments come in. Always know exactly where things stand.

Gentle Reminders

Optional payment reminders keep things on track without awkward conversations.

Protected Records

Digital documentation that can't be 'forgotten' or misremembered.

Friendship First

Structure that actually strengthens trust, not damages it.

"When my cousin needed money for a car, I wanted to help but worried about how it might affect our relationship. Having everything documented gave us both peace of mind."
M
Maria, 26
Future Knippix User

Protect your capital &
friendships.

Lend with confidence knowing every detail is documented and tracked.

For Borrowers

Borrow with dignity and clarity

Fair terms, transparent tracking, and no hidden surprises. Build your reputation through reliable repayment habits.

You
Upcoming Payment
Due in 3 days
To repayment of car repair
€150.00
★
Trust Score
98/100

Why clear agreements help you

A professional approach to borrowing isn't just for the lender—it protects you too.

Know What You Owe

Crystal clear view of your balance, payment schedule, and progress. No surprises.

Manageable Schedule

Agree on terms that work for your budget. A plan you can actually stick to.

Professional Relationship

A formal agreement treats the transaction with respect, even between friends.

Less Awkward Talks

The documentation speaks for itself. No need for uncomfortable reminders.

Track Your Progress

See how far you've come. Each payment gets you closer to being debt-free.

Build Trust

Showing you take the loan seriously builds trust and strengthens the relationship.

Fairness goes both ways

Knippix isn't just about protecting lenders. We believe in fair agreements that work for everyone. That's why our platform ensures:

  • Clear terms before you agree

    You see exactly what you're agreeing to—no hidden conditions.

  • Realistic repayment schedules

    Negotiate terms that fit your actual financial situation.

  • Equal access to information

    Both parties see the same dashboard and records.

  • No surprise changes

    Once agreed, terms can only be changed with both parties' consent.

Loan Agreement

Both parties confirmed
Amount
€1,000
Monthly Payment
€100
Duration
10 months
Both Parties Agree
This agreement is visible to both the lender and borrower.

Avoid misunderstandings

Small details cause big problems. We solve them before they start.

⛔ Common Pitfalls

  • "Did I pay that back last Tuesday or Wednesday?"
  • "I thought you said I could pay it back next month?"
  • "Wait, was that transfer for the loan or for dinner?"

✅ Knippix Clarity

  • Exact payment history log accessible by both parties.
  • Clear due dates agreed upon in writing before starting.
  • Every transaction is tagged and linked to the specific loan.
"I actually felt better about borrowing money because I knew I was being professional about it. Knippix took the 'awkward' out of the equation."
D
David, 29
Freelance Designer

Borrow with
dignity.

Build your reputation and manage your repayments without the stress.

Our Manifesto

Bridging the gap between social capital and financial reality.

We are building the infrastructure for a world where lending to a friend doesn't mean risking the friendship.

The Philosophy

Finance has become cold, institutional, and predatory. Agreements between people who trust each other are the oldest form of credit, yet in the modern world, they are the most chaotic.

We believe technology shouldn't just replace human trust—it should enhance it by removing the ambiguity that destroys it.

"Ambiguity is the enemy of trust. Clarity is its best friend."
K
The Knippix Team
Mission Statement

What we believe in

🤝

Relationships First

Money should serve the relationship, not rule it. If the tool gets in the way of the friendship, the tool is broken.

🛡️

Privacy by Design

Your financial life is private. We collect the absolute minimum data needed to create a binding record.

🌐

Decentralized Future

We are building towards a future where your reputation lives with you, on-chain and verifiable, independent of any bank.

The Friction

Why is this so hard?

Today, if you lend money to a friend, you have two bad choices:

  • ✕ The Handshake: No record, high anxiety, relies on memory. Often ends in "I thought I paid that?"
  • ✕ The Contract: Feels aggressive, overly legal, and implies you don't trust them.
€260 Billion
Estimated volume of loans between friends and family in the US alone annually.
50% +
Percent of these personal loans that go unpaid or lead to disputes.

Development Status

Completed

Alpha Prototype

Core agreement logic and minimal UI testing.

Current Stage

Private Beta

Onboarding initial users and refining the mobile flow.

Q3 2026

Public Launch

iOS/Android apps and full blockchain integration.

✓ What Knippix IS

  • ✓ A record-keeping tool
  • ✓ A communication aid
  • ✓ A reputation builder

✕ What Knippix is NOT

  • ✕ A bank or lender
  • ✕ A debt collection agency
  • ✕ A legal enforcement firm

Join the
movement.

Help us build the future of decentralized personal finance.

Privacy Policy

Last Updated: January 11, 2026

At Knippix, we believe that privacy is a fundamental right, especially when it comes to financial matters. This Privacy Policy outlines how we collect, use, and protect your information when you use our peer-to-peer agreement documentation tool.

1. Information We Collect

We adhere to a strict data minimization policy. We only collect what is absolutely necessary to function:

  • Account Information: Email address for authentication and notifications.
  • Transaction Data: Details of the agreements you create (amounts, dates, terms). This data is encrypted.
  • Usage Data: Minimal analytics to help us improve the app performance (e.g., page load times).

2. How We Use Your Data

We use your data solely to:

  • Provide and maintain the Service.
  • Notify you about updates to your agreements (e.g., a repayment was marked as received).
  • Prevent fraud and abuse of the platform.

We do NOT sell your personal data to third parties.

3. Data Security

We employ industry-standard security measures, including:

  • End-to-end encryption for sensitive transaction details.
  • Secure SSL/TLS connections for all data in transit.
  • Regular security audits.

4. Your Rights

You have the right to access, correct, or delete your personal data at any time. You can export your agreement history directly from your account settings.

5. Contact Us

If you have questions about this policy, please contact us at privacy@knippix.com.

Terms of Service

Last Updated: January 11, 2026

By using Knippix, you agree to these Terms of Service. Knippix is a documentation tool designed to bring clarity to personal lending. We are not a bank, lender, or legal firm.

1. Nature of the Service

Knippix provides a platform for users to record and track private financial agreements. Knippix does not lend money, facilitate money transfers, or guarantee repayment. Any financial transaction occurs outside of the Knippix platform.

2. User Responsibilities

  • You are responsible for the accuracy of the information you enter.
  • You agree not to use the platform for any illegal activities or to document illegal debts.
  • You are responsible for maintaining the confidentiality of your account credentials.

3. Risk Acknowledgement

You assume all risks associated with lending or borrowing money. Knippix provides a record of your agreement, but we cannot enforce payment. We strongly recommend only lending money you can afford to lose.

4. Limitation of Liability

To the fullest extent permitted by law, Knippix Labs shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of funds, arising out of your use of the service.

5. Termination

We reserve the right to suspend or terminate accounts that violate these Terms or are used for fraudulent purposes.

6. Contact

For legal inquiries, contact legal@knippix.com.

Cookie Policy

Last Updated: January 11, 2026

This Cookie Policy explains how Knippix uses cookies and similar technologies to recognize you when you visit our website.

1. What are Cookies?

Cookies are specialized pieces of data set by a website and stored on your device. They are used to improve your experience, for example, by remembering your login status.

2. How We Use Cookies

We use cookies for the following purposes:

  • Essential Cookies: These are necessary for the website to function (e.g., keeping you logged in).
  • Performance Cookies: These help us understand how users interact with our website (e.g., page load speeds).
  • Functionality Cookies: These allow the website to remember choices you make (e.g., your preferred language or theme).

3. Managing Cookies

You have the right to decide whether to accept or reject cookies. You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website, though your access to some functionality and areas of our website may be restricted.

4. Updates to This Policy

We may update this Cookie Policy from time to time. Please re-visit this page periodically to stay informed about our use of cookies.