Every Tool You Need for
Financial Accountability
From personal loans to team ledgers — Wathīqah gives every financial relationship a clear, witnessed, and permanent record.
Transaction Ledger
12 distinct types — loans, repayments, gifts, advances, deposits, and escrow — so every financial relationship has a precise, unambiguous record.
Physical Items
Lend and borrow objects with the same rigor as cash. Track item name, quantity, and return status so nothing falls through the cracks.
Witness Verification
Attach a trusted third party to any transaction. They receive a secure link to acknowledge or dispute the details — permanently on record.
Contact Standing
See your net position with every person at a glance. Who owes you, what you owe, and the full history behind every figure.
Shared Ledger
When your contact is also on Wathīqah, the record appears on both sides automatically — perspective flipped, no double entry required.
Promises & IOUs
Capture informal commitments before they become transactions. Set due dates and convert to a formal record once fulfilled.
Shared Access
Grant time-limited, read-only access to a partner, accountant, or family member — no credentials shared, access revoked in one click.
Projects
Group transactions under a named project, set a budget, and watch income vs expenses update in real time as records are added.
Organisations
Create a shared workspace for your team or business. Invite members, assign roles, and manage records collaboratively in a dedicated ledger.
Debt Forgiveness
Convert any loan into a gift in one step. The obligation is cleared, the record is preserved, and relationship standing updates instantly.
Multi-Currency
Record transactions in NGN, USD, EUR, GBP, CAD, AED, or SAR. View your total balance in any supported currency with a single selector.
Audit Log
Every change to a transaction is captured permanently — who changed what, when, and exactly which fields. Field-level before/after diffs, searchable and filterable.
The Witness System
Accountability is the core of Wathīqah. Attach a witness to any transaction and they receive a secure invitation link — no account required to verify.
- Works for both registered and unregistered users
- Invitation links pre-fill details and link accounts automatically
- Four states: Pending, Acknowledged, Declined, Modified
- Transactions with witnesses cannot be deleted — only cancelled
- Status resets to Modified whenever a witnessed record is changed
Akanors Ventures
Technology · 3 members
Organisations & Teams
Run a business or manage a team's finances together. Organisations give each member their own scoped view — separate from their personal ledger.
- Three roles: Admin (full control), Operator (create records), Viewer (read-only)
- Member attribution with configurable display mode
- Events calendar for scheduling key dates within the org
- Org ledger is fully isolated from personal transactions
Ready to get started?
Every financial relationship deserves a clear record. Start yours today — it's free.