# Setlo

> Setlo (iPhone/iPad app by Setlo Technologies private limited.)

- Source: https://appshunter.io/ios/app/setlo/id6784175111 (this page in markdown: same URL + `.md`)
- Developer: [Setlo Technologies private limited](https://appshunter.io/developer/6784175113)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 59 MB
- Languages: American English
- Released: 2026-07-09
- Data updated: 2026-10-09

## What is Setlo?

Setlo – India's Circular Debt Settlement Platform
Setlo helps individuals track and settle informal debts with friends, family, roommates, colleagues, and trusted circles.
Unlike traditional payment apps, Setlo focuses on managing obligations and identifying circular debt loops that can be resolved without requiring money transfers. Every obligation is consent-driven, transparent, and privacy-first.

## Is Setlo safe?

Not enough ratings yet to assess Setlo.

## Is Setlo legit?

Setlo has limited verification signals. The AppsHunter Legitimacy Score for Setlo is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.2.1 — 2026-10-08

Remove kyc verification 
Improve ui and ux

### 1.1.2 — 2026-08-11

Added ledger at homepage as per customer.

### 1.1.1 — 2026-07-21

• Cleaner, calmer empty screens across the app.
• Fixed a rare crash on the add-obligation screen.
• Clearer payment and settlement messages.
• Improved Hindi support.

### 1.1.0 — 2026-07-17

• Add connections faster with the new in-app contact picker.
• Pending now splits into sent and received obligations.
• Shared groups appear on your Circle screen as tidy cards.
• Cleaner notes: 200-character limit, live counter, neat wrapping.
• Compact amounts, refreshed "How It Works", and calmer settlement screens.
• Polish and stability fixes.

### 1.0.3 — 2026-07-09

Updated terminology

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-09.*