Kredy was born from a simple conviction: you should be able to help your loved ones financially without ever putting the relationship at risk. We built the tool that makes this possible.
The reality
This figure struck us. In France, millions of euros circulate every year between friends and family members, often without any framework. The result? Misunderstandings, resentments, and sometimes permanent breakups.
The problem isn't money. The problem is the lack of clarity. When terms aren't set in black and white, everyone remembers a different version of the agreement. Kredy exists to make sure that never happens again.
Without a clear framework
"He told me he would repay in 3 months..."
"I don't dare bring it up anymore, it's awkward."
"We haven't spoken since that loan."
With Kredy
Contract signed by both parties in 2 minutes
Clear schedule with automatic reminders
Total transparency, zero ambiguity
Our journey
A €3,000 loan between friends goes wrong. The lack of a clear framework creates tensions that could have been avoided. The idea for Kredy is born.
Formation of the founding team. Collaboration with specialized lawyers to design contracts compliant with French legislation.
Application development, user journey design and security infrastructure setup. Every detail is crafted to make the experience smooth and reassuring.
In-depth testing, finalization of electronic signature workflows and digital vault. The app is refined to deliver a flawless experience from day one.
Kredy opens its doors to the public. Certified contracts, scheduled repayments and real-time tracking: the first dedicated solution for loans between loved ones is finally available.
The market
€6B
Lent between loved ones yearly in France
65%
Of loans create tensions
80%
Of loans made without any written record
< 2 min
To create a contract on Kredy
What guides us
Four pillars that guide every decision, every feature and every interaction with our users.
We believe money should never weaken a friendship. Every feature is designed to strengthen transparency and mutual respect.
Your data is protected by state-of-the-art encryption (AES-256). Security is not an option, it's our foundation.
Create a loan contract in less than 2 minutes. No incomprehensible legal jargon, no complicated process. Just the essentials.
Our contracts comply with French and European law. They are not mere symbolic documents: they are enforceable in court.
Our vision
We are building a world where helping someone you love financially requires neither courage nor apprehension. A world where generosity is protected by clarity, and where every repayment strengthens the bond instead of weakening it.
Download Kredy and discover a new way to lend and borrow between loved ones.