Ụgwọ.

Ụgwọ helps you keep track of money you've lent and borrowed — log IOUs, set due-date reminders, and always know who owes what, all in one private, end-to-end encrypted ledger.

Ụgwọ is a private debt and IOU tracker built for Nigerians and Africans who lend and borrow money outside a bank — friends covering rent, family helping family, small business owners tracking supplier credit, landlords tracking advances. Log any debt in seconds, get automatic reminders before it comes due, and track partial repayments until it's fully settled. Built with privacy at its core — every record is encrypted end-to-end on your device before it ever reaches our servers, so not even NIPPYSKY can read it. Ụgwọ works fully offline and syncs automatically across every device you own, with an optional one-way link to Akù so loans you log there show up in your money picture too.