KinPay basics
What is KinPay?
KinPay is a tool for two people who already know each other to create, agree, sign and manage a private financial agreement.
3 min readProduct explainerUpdated 2026-06-15
The short answer
KinPay helps two people who already know each other create, agree, sign and manage a private financial agreement.
The short answer
KinPay helps two people who already know each other create, agree, sign and manage a private financial agreement.
When someone you know lends you money, the hard part is rarely the transfer. It is agreeing the terms, remembering them months later, and keeping track of what has been repaid. KinPay gives both people one shared record of exactly that.
What KinPay handles
- A clear request with an amount and a repayment plan.
- A place to negotiate the terms without awkward messages.
- A signed record that both people accepted the same terms.
- A repayment schedule that both people can see.
KinPay is not a lender
Key takeaway
KinPay organises an agreement between people. It is not a lender.
Next: Read how a request becomes an agreement.
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How does KinPay work?
One person creates a request with clear terms, the other reviews it or makes a counter-offer, both sign, and KinPay keeps the agreed record and schedule.
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Does KinPay lend money?
No. KinPay does not lend money or fund loan requests.
Quick answer · 1 min read
What KinPay does and does not do
KinPay records and manages agreements between people who know each other. It does not lend, fund, introduce lenders or guarantee repayment.
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Need more help?
1. Search KinPay Learn
Most questions already have an answer here. Search now.
2. Use Help inside KinPay
For anything about your own account, open KinPay and use Help in the top-right corner. Where available it attaches the screen you were on.
3. Submit a support request
Tell us what you expected and what happened. Open the form.
4. Email support
Write to support@kinpay.me.