Case study · Zirtue
$200M in Bills Paid Across 1M+ Families Through Relationship-Based Lending
Zirtue helps people in the United States borrow from friends and family with clear agreements and repayment schedules. The platform connects loan requests, automatic repayments, reminders and direct bill payments, giving borrowers and lenders a shared view of their financial commitments.
01Platform at a glance
Connected capabilities
- Loansagreements between trusted contacts
- Repayscheduled, automatic repayments
- Billsdirect payments through Zirtue Pay
02The challenge
Where they started
Lending between friends and family can become difficult when repayment terms, balances and responsibilities are unclear. Both people need a consistent record of what they have agreed.
Loan requests, bank connections, repayment schedules and bill payments need to work together in a mobile experience that makes financial commitments easy to understand and follow.
03The solution
Platform focus
- 01
Borrower and lender journeys
Account and loan-request workflows connect people with trusted contacts, bringing the borrowing and lending experience into one platform.
- 02
Clear loan agreements
Loan terms, repayment amounts and schedules establish a shared record. Digital tracking also supports visibility into existing loans.
- 03
Repayment management
Automatic repayments and payment reminders connect agreed schedules with ongoing loan tracking and bank or debit-card connections.
- 04
Direct bill payments
Zirtue Pay connects financial support with bill payments through biller and enterprise integrations.
04The outcome
The outcome
A connected lending experience that brings trusted contacts, clear agreements, repayment tracking and bill payments together, making financial support easier to manage for both borrower and lender.
05In their words
“Distil Stack understood the challenges of building a financial platform where trust, transparency, and user experience are essential. Their ability to translate complex lending and repayment workflows into a structured digital experience aligned with our vision of making financial support between friends and family simpler and more accessible.”
Dennis CailCEO & Co-founder
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