The Challenge
Personal loans between friends and family often damage relationships due to informal agreements, missed payments, and awkward conversations. Zirtue needed a platform that formalizes these loans with structured repayment, automatic payments, and transparent tracking while keeping the experience personal and trustworthy.
Constraints & Requirements
- ACH integration with bank-grade security and compliance
- Seamless onboarding for non-technical users (all age groups)
- Real-time payment processing and balance tracking
- Feature-identical iOS and Android mobile experience
Our Approach
Discover
Researched personal lending patterns and pain points through surveys and interviews. Identified key trust and transparency features for the MVP.
Design
Human-centered design focusing on simplicity and trust. Built flows for loan creation, repayment scheduling, and automatic ACH payment setup.
Build
React Native for iOS/Android. Redux for state management. ACH integration for automated loan payments with compliance controls.
Launch
Published to App Store and Play Store with strategic partnerships and media coverage driving initial adoption.
Iterate
Added credit building features, loan history reporting, and group lending pools for family contributions.
The Solution
Mobile-first lending platform with React Native, automatic ACH payments, structured repayment schedules, and compliance-grade financial controls.