Setlo

Setlo — Settle Debts Without Moving Money Ever lent money to a friend, who owes someone else, who owes you back? You're stuck in a debt loop — and nobody notices. Setlo finds these loops automatically. When we detect that you, a friend, and another contact are stuck owing each other in a circle, we notify everyone involved. If everyone agrees, the debts cancel out instantly — no bank transfer, no UPI payment, no cash exchange. How it works: •⁠ ⁠Add money you owe or are owed by friends and family •⁠ ⁠Setlo scans for circular debt chains in the background •⁠ ⁠When a loop is found, every person gets a private settlement proposal — you only see your part, never anyone else's full picture •⁠ ⁠Everyone approves → debts are cancelled together, instantly •⁠ ⁠You get a digital Closure Certificate as proof Why Setlo: ✓ No money transfer needed to settle — just mutual agreement ✓ 100% consent-based — nothing closes without everyone's approval ✓ Privacy-first — you never see others' full debt details ✓ Verifiable closure record for peace of mind A small service fee applies only when a debt loop is successfully settled — never before, never without your consent. Setlo — stop chasing money. Start closing loops.