PactApp vs COcartera

PactApp — The app that secures personal loans with legally binding digital contracts. Lending or borrowing money from someone you know? PactApp generates a legally compliant contract, electronically signed by both parties, with built-in repayment tracking. Compliant across 10 countries (FR, DE, ES, IT, PT, BE, LU, CH, UK, US). CREATE A CONTRACT IN 2 MINUTES • Enter amount, duration, interest rate (with usury rate verification) • Choose from templates adapted to your country and situation • Invite the borrower by email or link — they sign from their phone SECURE ELECTRONIC SIGNATURE • eIDAS-compliant signature (advanced level) • Optional KYC identity verification (ID document + selfie, 100% on-device) • PAdES-B/T certificate embedded in PDF • Qualified timestamping and SHA-256 audit trail REPAYMENT TRACKING • Payment schedule with automatic reminders • Payment confirmation by both parties • Dashboard with remaining balance and next payment • Complete exportable history LEGAL PROTECTION • Contracts compliant with local civil law in 10 countries • Automatic Cerfa 2062 generation for French tax declarations • Formal notice and registered electronic letter (AR24) • 3-level escalation (amicable, formal, pre-litigation) SECURITY & PRIVACY • Data hosted in France (EU-West-3 Paris) • End-to-end encryption • Full GDPR compliance • No data resale • Account deletion directly in-app REFERRAL Invite friends with your referral code and unlock up to 2 additional bonus contracts. PactApp replaces handwritten IOUs with a 100% digital, legal, and traceable process. Protect your relationships AND your money. — — — Terms of Use (EULA): https://pactapp.eu/legal/cgu Privacy Policy: https://pactapp.eu/legal/privacy

COcartera es la app de gestión financiera para prestamistas, pequeños empresarios y personas que quieren tener el control total de su dinero. GESTIÓN DE CARTERA Registra préstamos, cobra cuotas y lleva el historial completo de cada cliente. Con interés personalizado, alertas de vencimiento y reportes detallados, nunca más se te escapa un cobro. CLIENTES ORGANIZADOS Agrega foto, teléfono, documento y dirección de cada cliente. Contáctalo por WhatsApp con un solo toque. DEUDAS PERSONALES Controla tus propias deudas: tarjetas de crédito, créditos bancarios y préstamos informales. Ve exactamente cuánto debes y a quién. GASTOS MENSUALES Registra y categoriza tus gastos. Entiende en qué se va tu dinero cada mes. SINCRONIZACIÓN EN LA NUBE Tu información segura y disponible en todos tus dispositivos. PLANES DISPONIBLES - Plan Completo: cartera de préstamos + deudas personales - Solo Cartera: gestión de préstamos a clientes - Deudas Personales: control de tus propias finanzas - Prueba gratis 30 días sin tarjeta de crédito Términos de Uso: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/