PactApp vs Masarify

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

Masarify is a clean money companion for people who want simple control over personal and business spending. Track income and expenses, keep personal and business records separate, set category budgets, follow loan and installment balances, and see upcoming payments before they surprise you. Masarify helps you: Track expenses and income Switch between Personal and Business profiles Add categories for the way you spend Set monthly budgets with clear progress Manage loans and installments with remaining balances Add payment reminders and local notifications Attach receipt photos or files to entries Review reports by category and month Use English or Arabic with RTL layout Protect your data with account sign-in Masarify starts free with 20 entries. Upgrade to Masarify Pro for unlimited entries and continued tracking across your money life. Built for life. Simple, private and practical. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/