See how urCircl works.

Short walkthroughs for each of the three tools, and the stories behind why putting a handshake deal in writing — between people you actually trust — keeps the money from costing you the relationship.

Coming soon to Google Play

How it works

Create → sign → track. A two-minute tour of each tool.

PayMeBack

Money agreements

Lend or borrow with a signed, no-interest record — you move the money, urCircl keeps the proof.

PoolUp

Savings pools

Run a suso/sou-sou: everyone signs, the payout order is locked, nobody skips.

HoldMy

Lent items

Lend your stuff with an agreed value and a condition photo — covered if it comes back damaged.

The stories

Why this matters — one short film per tool.

The Silence

“It's not the money. It's the silence.”

The $300 you never got back, and the quiet that settles between you.

Grandma's Protocol

“The wisdom of your grandmother.”

The susu your family's run for generations — now with a memory.

It Was Already Like That

“No photo. No proof. No ladder.”

The drill that came back broken — and the before-photo that settles it.

What urCircl is not. Raqs Enterprise LLC (dba urCircl) is a record-keeping and document management platform. We are not a bank, lender, money transmitter, or financial institution. urCircl does not lend money, process or hold payments, or broker loans. We are also not a law firm and do not provide legal advice. All payments happen directly between people through the payment method they choose — urCircl only documents what the two parties agreed to.