Keep lending
clear and kind
Deni records every IOU, reminds people politely and lets them settle with a tap. Perfect for friends, family and shopkeepers who sell on credit.
Deni
DeniWhat you get
Simple IOU records
Record who owes whom, how much, why and by when, with both sides notified.
Polite reminders
Send gentle reminders by SMS or WhatsApp on a schedule you pick.
Settle in a tap
Debtors pay by M-Pesa from the reminder and the record closes automatically.
Credit for shopkeepers
Track customers who buy on credit and see everything owed in one list.
Running totals
See what you are owed and what you owe, by person.
Private by design
Records are visible only to the people involved.
How it works
Record the debt
Add the person, amount and due date.
Share and remind
They confirm it and get gentle reminders.
Settle
They pay in the app and the record is closed.
Deni works with everything else
One account, one wallet and one set of reports. Switch on more products whenever you need them, with no extra integration.
Who it is for
For anyone who lends small amounts and hates awkward conversations.
- Shopkeepers who sell on credit
- Friends and family splitting costs
- Freelancers waiting on a client’s part-payment
- Teams tracking staff advances
Frequently asked questions
Deni is a record-keeping and reminder tool. It is not a legal contract.
They can confirm and pay by link, and are invited to create an account for the full history.
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