# Watheq: Digital Debt Contracts — Personal Loan Agreements > Digital ledger for interest-free personal loans and debt contracts. (iPhone/iPad app by The Gahitwen, LLC.) - Source: https://appshunter.io/ios/app/watheq-digital-debt-contracts/id6757659833 (this page in markdown: same URL + `.md`) - Developer: [The Gahitwen, LLC](https://appshunter.io/developer/1744754953) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 13.0 · 33 MB - Languages: English - Released: 2026-02-25 - Data updated: 2026-08-21 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/watheq-digital-debt-contracts/id6757659833/reviews.md ## What is Watheq? Watheq - Trust, Documented. The world’s first collaborative digital ledger designed specifically for personal loans, shared expenses, and debts between individuals. Money shouldn’t ruin relationships. Watheq is the simplest, most secure way to officially document personal debts between friends, family, and colleagues. While inspired by the ethical principles of fairness and transparency found in Islamic tradition, Watheq provides a neutral, professional framework designed for everyone to "get it in writing" - ensuring every loan is clear, witnessed, and honored. Strictly Interest-Free Watheq is built exclusively for benevolent, 0% interest loans. We help communities support each other without the burden of usury, hidden fees, or predatory lending. Key Features: - Smart Contract Wizard: Create and sign a legally robust promissory note or loan agreement right on your phone in under 60 seconds. - Virtual Witnessing: Add credibility to your agreement by adding up to 3 witnesses. They can securely review and attest to the terms via a quick link - no app download required for them! - Real-Time Settlement Tracking: Watch the progress of your contract visually. Accurately track what you owe and who owes you, and officially mark loans as "Settled" once paid back. Flexible Terms: - Need more time? Borrowers can cleanly request a repayment extension, and lenders can gracefully forgive remaining debt right from the app. - Automated Push Notifications: Instantly alert the other party when a contract is created, signed, or settled. - Multi-Currency: Full support for USD, GBP, EUR, SAR, AED, TZS, and many more, with automatic dashboard aggregation. - Bank-Grade Security: Your financial data is yours alone. Protected by strict biometric App Locks (FaceID/TouchID) and military-grade encryption. - Professional PDFs: Generate clean, professional PDF copies of your agreements to share via email, WhatsApp, or to print for your records. - Global Accessibility: Seamlessly supports Light & Dark modes and is natively translated into 8 languages (English, Arabic, French, Swahili, Turkish, Indonesian, Urdu, and Bengali). Preserve your wealth, and more importantly, preserve your relationships. Download Watheq today. ## Key features - Create legally robust promissory notes - Virtual witnessing for agreements - Real-time settlement tracking - Request repayment extensions - Automated push notifications - Multi-currency support - Bank-grade security - Generate professional PDF agreements ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Bronze Support | $2.99 | one-time | | Gold Support | $24.99 | one-time | | Silver Support | $9.99 | one-time | ## Frequently asked questions about Watheq ### What is Watheq? Watheq is the world's first collaborative digital ledger designed specifically for personal loans, shared expenses, and debts between individuals. It helps document these financial arrangements clearly and securely. ### Does Watheq support interest-bearing loans? No, Watheq is built exclusively for benevolent, 0% interest loans. It helps communities support each other without the burden of usury or predatory lending. ### How does Watheq ensure security? Watheq utilizes bank-grade security measures, including strict biometric App Locks (FaceID/TouchID) and military-grade encryption, to protect your financial data. ### Can witnesses sign agreements without the app? Yes, witnesses can securely review and attest to the terms of an agreement via a quick link without needing to download the Watheq app. ### What currencies does Watheq support? Watheq offers full support for USD, GBP, EUR, SAR, AED, TZS, and many other currencies, with automatic dashboard aggregation. ### How often is Watheq updated? The app was last updated on April 11, 2026, indicating a commitment to ongoing development and maintenance. ### What devices is Watheq available on? Watheq is available on iPhone, iPad, and iPod devices, supporting both light and dark modes for global accessibility. ### Is Watheq free to use? Yes, Watheq is free to download and use, with potential in-app purchases for additional features or services. ## Version history (last 5 releases) ### 1.7.0 — 2026-04-11 1. Cleaner App Logs - Replaced informal log messages with proper ones that automatically hide in live app builds, keeping sensitive information more secure. 2. Stability & Display Fixes - The greeting on the dashboard now handles missing name information more gracefully, avoiding unexpected crashes. Identifying guest witnesses on contracts is now more reliable, ensuring they display correctly every time. 3. Better Error Handling - When submitting feedback fails, the app now properly catches the issue and notifies the user instead of failing quietly in the background. ### 1.2.3 — 2026-03-30 We’ve streamlined our look and updated our internal systems to provide a smoother, more reliable experience. What's New - Simplified Branding: We've shortened our app display name to Watheq for a cleaner, more minimalist look on your home screen. - Performance Improvements: Various under-the-hood updates and optimizations to keep the app running smoothly. IMPORTANT Please Reinstall the App To ensure you have the most stable experience and to avoid any potential issues with the new branding, we kindly ask all users to: - Delete the current Watheq app from your device. - Download and install the latest version fresh from the App Store. Thank you for being part of the Watheq community! ### 1.2.1 — 2026-03-12 1. Seamless Apple Sign-In: - We’ve completely revamped our authentication system! You can now quickly and securely create an account or log in using "Continue with Apple", alongside our existing Google option. 2. Improved Support & Donations: - This update brings under-the-hood stability improvements to our "Support Watheq" donation system, ensuring your generosity is recorded flawlessly and securely. 3. Smoother Onboarding: - We’ve refreshed our login and sign-up screens to be cleaner and more intuitive across all your devices, giving you the best possible start to tracking your agreements! 4. Multi-Language Donation Banner (NEW): - Change your app language in Settings to Arabic, French, Swahili, or any of our 9 supported languages. Works for Donation Banner too! ### 1.2 — 2026-03-01 Enhancing the Sharing Experience & Squashing Bugs - This release streamlines how you share completed contracts and resolves multiple under-the-hood issues related to notifications and account management. Instant PDF Sharing: - Tapping the share icon on the PDF screen now intelligently checks if both the Lender and Borrower have signed. If they have, it bypasses the deep-link sharing sheet and instantly opens your device's native sharing menu (AirDrop, WhatsApp, Email, etc.) with the actual PDF document attached! Onboarding & UI Polish: - Welcome Experience: Brand new users logging in via Google or Email will now be greeted with a localized "Welcome to Watheq!" guide helping them create their first contract. - Dashboard Aesthetics: Increased visibility for the "Assets" and "Liabilities" trackers with larger, bolder numbers. - Empty State Layout: Fixed an issue where having zero contracts resulted in a jagged, empty screen. The dashboard now gracefully shows a "$0 USD" default summary while encouraging you to initiate your first agreement. - Contract Cards Fixed: The witness cards, settlement trackers, and progress bars now all span the exact same satisfying width beautifully parallel to each other. Critical Fixes: - Notifications Restored: Tapping push notifications will now reliably drop you straight into the relevant contract details screen, even if the app was completely closed! - Account Deletion Unlocked: Resolved a strict database lock that was preventing users with modified contracts from permanently deleting their accounts. Deletion is now immediate and guaranteed. - Donation Tracking: Fixed an issue where the currency or amount of a "Support Watheq" donation would occasionally not record properly. ### 1.1 — 2026-02-27 Bug Fixes Fixed an issue where signing in with Google was not working on iOS devices. Users who were unable to sign in via Google should now be able to do so without any errors. ## More apps by The Gahitwen, LLC - [Gahitwen](https://appshunter.io/ios/app/gahitwen/id6502245565) - [Gahitwen Driver](https://appshunter.io/ios/app/gahitwen-driver/id6737305054) - [Smart Taka](https://appshunter.io/ios/app/smart-taka/id6739852151) - [Risiti AI](https://appshunter.io/ios/app/risiti-ai/id6746781946) - [Mr. Soko](https://appshunter.io/ios/app/mr-soko/id6747299251) All apps by The Gahitwen, LLC: https://appshunter.io/developer/1744754953 --- *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 2026-08-21.*