Kehbar — For friends

i. The moment

A loan, a split, an IOU.

Most of the money that moves between two people moves without structure. The fifteen thousand your cousin asked for, the dinner you covered for a friend, the shared birthday gift, the trip cost you fronted because you happened to have the card on you. It moves through memory, through messages, through the kindness of whoever happens to remember.

Some of it gets settled. Some of it doesn't. Most of it never quite shows up in a bank statement either side could point to.

This is what Kehbar's friend-to-friend agreements are for. A clean record of what was agreed, visible to both of you, with the actual money moving through your banks, not held by us.

ii. The templates

Four kinds of agreement.

Almost every 1:1 money situation fits one of four shapes. Pick the template that matches; Kehbar handles what makes that template work.

Loan

I'm borrowing from you.

We agree on the amount, when it'll be repaid, and any rate. The balance sits visible to both of us until it clears. No vague "I'll get you back soon", just a clear picture, on both sides.

Deferred payment

I owe you for something.

You bought it; I'll pay you back. We name the thing, the amount, and when I'll settle. The agreement holds until it's done.

Split

We're sharing the cost.

A dinner, a gift, a trip, a bill. We agree how to divide it and who's covering what now. Whoever fronts gets paid back by the others through the same record.

Open agreement

It's not a loan. It's not a split. It's the thing between us.

The ongoing favours, the unclear timeframes, the money flowing both ways over months. The agreement holds the shape it actually has, without forcing it into a template that doesn't fit.

iii. The lifecycle

How an agreement works.

From the moment you create one to the moment it's settled, an agreement has a small number of steps. Most happen in seconds.

i.
Create the agreement.
Pick a template: loan, deferred payment, split, or open. Fill in what you both already know. Two minutes if that.
ii.
Invite the other person.
Email or phone. They get a link. If they're not on Kehbar yet, joining takes one tap; no chasing required.
iii.
They review and confirm.
They see exactly what you wrote. Same picture, no surprises. They can ask questions, suggest changes, or confirm. Nothing moves until both of you agree on the same thing.
iv.
Both of you see the same record.
The agreement is live. Whatever happens next (payments in, partial settlements, due dates passing) both of you see it update at the same moment.
v.
Settle when settled.
Through Kehbar, the same bank transfer system you'd use anyway. When the balance clears, the agreement closes. The record stays, in case anyone needs it later.

iv. When things get awkward

A witness, not a judge.

Money between two people is the kind of money most likely to quietly cost a friendship. A line gets crossed, a memory gets fuzzy, a balance is remembered differently on each side. Kehbar's job in that moment isn't to decide who's right. It's to make sure both of you are looking at the same picture.

We hold the record. We don't arbitrate. If the agreement says you sent ₦20,000 on the 14th, that's what the record shows, to both of you. If one of you remembers it differently, the record is what it is. The conversation about what to do next is yours, but it's a conversation grounded in shared facts rather than competing memories.

The witness conviction is the operational form of this. We hold what was agreed, what was paid, what's outstanding. We don't take sides. The friendship is yours; we just make the bookkeeping clean.

For the money between two people.

A loan, a split, an IOU.

Four kinds of agreement.

How an agreement works.

A witness, not a judge.

Start an agreement.