Currently in Development

Private lending,
done right.

Knippix helps you document, manage, and track personal loans between friends, family, and acquaintances—with transparency built in.

✓ Free to use
✓ Blockchain ready
Loan Agreement
€2,500.00
Repaid €1,500 / €2,500
From Alex M.
To Jordan K.
Status On Track
A
Hey, can you lend me €500? I'll pay you back next month 👍
B
Sure, no problem!
3 months later...
B
Hey, about that €500... 😅
A
What €500? I thought that was a gift? 🤔
⚠️
Sound familiar? Informal loans often lead to misunderstandings and damaged relationships.
The Problem

Informal loans break trust

We've all been there. A friend needs money, you want to help. But without clear terms, things get awkward. Was it a loan or a gift? When should it be repaid?

These misunderstandings don't just cost money—they cost friendships.

  • ✕
    No written record of the agreement
  • ✕
    Unclear repayment terms
  • ✕
    Awkward conversations about money
  • ✕
    Damaged relationships over disputes
The Solution

Knippix brings clarity to private lending

A simple platform to document your agreements, track repayments, and keep everything transparent.

Document Everything

Create clear, digital loan agreements that both parties can reference anytime.

Total Transparency

Both lender and borrower see the same information—no surprises or confusion.

Built on Trust

Fair terms, clear expectations, and a neutral platform for everyone.

✨ Coming Soon

Decentralisation & Blockchain

In the future, Knippix will integrate blockchain technology to provide an extra layer of trust and transparency. But what does that actually mean?

Immutable Records

Once recorded, loan agreements can't be secretly changed or deleted.

Decentralised Trust

No single company controls your data—it's distributed and secure.

Verifiable History

Anyone can verify that an agreement existed and what was agreed.

Stay ahead of
the curve.

Join our community for early access, beta invites, and dev updates.

How it works

Simple, fast, and fair.

Get setup in minutes and remove the awkwardness from your personal loans forever.

Loan Amount
€1,500.00
Monthly Payment
€150.00
Duration
10 months
01

Agree on Terms

You and your friend decide on the loan amount, repayment schedule, and any other details that matter to both of you.

  • ✓
    Set the loan amount
  • ✓
    Choose repayment frequency
  • ✓
    Add any notes or conditions
02

Document the Agreement

Create a digital record of your agreement on Knippix. Both parties can see and confirm the terms.

  • ✓
    Enter agreement details
  • ✓
    Both parties review and confirm
  • ✓
    Secure digital record created
✓
Alex (Lender)
Confirmed
✓
Jordan (Borrower)
Confirmed
Agreement Created
March 15, 2024
Progress
60%
✓
Apr 15
€150
✓
May 15
€150
✓
Jun 15
€150
Jul 15
€150
03

Track Repayments

Log payments as they happen. Both lender and borrower always know exactly where things stand.

  • ✓
    Log each payment
  • ✓
    See remaining balance
  • ✓
    Get friendly reminders
04

Close the Loan

Once everything is repaid, mark the loan as complete. Clean, clear, and no loose ends.

  • ✓
    Final payment logged
  • ✓
    Both parties confirm
  • ✓
    Loan marked complete

Loan Complete!

All €1,500.00 repaid

Closed on August 15, 2024
Future Vision

Enhanced by blockchain

We're building Knippix to integrate with blockchain technology in the future. This means even more trust, security, and transparency for your agreements.

Permanent Records

Your agreements will be stored in a way that can never be secretly changed or deleted.

Verifiable Truth

Anyone involved can verify that an agreement exists and see its exact terms.

No Middleman

Decentralised storage means no single company controls your data.

Ready to simplify
your loans?

No more awkward conversations. Just clear, documented agreements.

For Lenders

Help others without the worry

You want to help a friend or family member. That's admirable. Knippix helps you do it with confidence and clarity.

You
Your Active Loans
2 agreements
To: Jordan
€800
75% repaid On track
To: Sam
€350
40% repaid On track

Why documenting matters

When you lend money to someone you care about, you deserve peace of mind. A clear record protects everyone.

Without documentation

  • ✕
    Relying on memory for amounts and dates
  • ✕
    Awkward reminders and conversations
  • ✕
    Disputes about what was agreed
  • ✕
    Potential damage to the relationship
  • ✕
    No proof if things go wrong

With Knippix

  • ✓
    Clear record of all terms and amounts
  • ✓
    Automatic payment tracking
  • ✓
    Both parties see the same information
  • ✓
    Professional approach protects friendship
  • ✓
    Digital proof of the agreement

Lending with confidence

Features designed to give you peace of mind while helping others.

Clear Agreements

Create detailed records that specify exactly what was agreed—amount, terms, schedule.

Full Transparency

Both you and the borrower see the same dashboard. No confusion, no surprises.

Payment Tracking

Watch progress as payments come in. Always know exactly where things stand.

Gentle Reminders

Optional payment reminders keep things on track without awkward conversations.

Protected Records

Digital documentation that can't be 'forgotten' or misremembered.

Friendship First

Structure that actually strengthens trust, not damages it.

"When my cousin needed money for a car, I wanted to help but worried about how it might affect our relationship. Having everything documented gave us both peace of mind."
M
Maria, 26
Future Knippix User

Protect your capital &
friendships.

Lend with confidence knowing every detail is documented and tracked.

For Borrowers

Borrow with dignity and clarity

Fair terms, transparent tracking, and no hidden surprises. Build your reputation through reliable repayment habits.

You
Upcoming Payment
Due in 3 days
To repayment of car repair
€150.00
★
Trust Score
98/100

Why clear agreements help you

A professional approach to borrowing isn't just for the lender—it protects you too.

Know What You Owe

Crystal clear view of your balance, payment schedule, and progress. No surprises.

Manageable Schedule

Agree on terms that work for your budget. A plan you can actually stick to.

Professional Relationship

A formal agreement treats the transaction with respect, even between friends.

Less Awkward Talks

The documentation speaks for itself. No need for uncomfortable reminders.

Track Your Progress

See how far you've come. Each payment gets you closer to being debt-free.

Build Trust

Showing you take the loan seriously builds trust and strengthens the relationship.

Fairness goes both ways

Knippix isn't just about protecting lenders. We believe in fair agreements that work for everyone. That's why our platform ensures:

  • Clear terms before you agree

    You see exactly what you're agreeing to—no hidden conditions.

  • Realistic repayment schedules

    Negotiate terms that fit your actual financial situation.

  • Equal access to information

    Both parties see the same dashboard and records.

  • No surprise changes

    Once agreed, terms can only be changed with both parties' consent.

Loan Agreement

Both parties confirmed
Amount
€1,000
Monthly Payment
€100
Duration
10 months
Both Parties Agree
This agreement is visible to both the lender and borrower.

Avoid misunderstandings

Small details cause big problems. We solve them before they start.

⛔ Common Pitfalls

  • "Did I pay that back last Tuesday or Wednesday?"
  • "I thought you said I could pay it back next month?"
  • "Wait, was that transfer for the loan or for dinner?"

✅ Knippix Clarity

  • Exact payment history log accessible by both parties.
  • Clear due dates agreed upon in writing before starting.
  • Every transaction is tagged and linked to the specific loan.
"I actually felt better about borrowing money because I knew I was being professional about it. Knippix took the 'awkward' out of the equation."
D
David, 29
Freelance Designer

Borrow with
dignity.

Build your reputation and manage your repayments without the stress.

Our Manifesto

Bridging the gap between social capital and financial reality.

We are building the infrastructure for a world where lending to a friend doesn't mean risking the friendship.

The Philosophy

Finance has become cold, institutional, and predatory. Agreements between people who trust each other are the oldest form of credit, yet in the modern world, they are the most chaotic.

We believe technology shouldn't just replace human trust—it should enhance it by removing the ambiguity that destroys it.

"Ambiguity is the enemy of trust. Clarity is its best friend."
K
The Knippix Team
Mission Statement

What we believe in

🤝

Relationships First

Money should serve the relationship, not rule it. If the tool gets in the way of the friendship, the tool is broken.

🛡️

Privacy by Design

Your financial life is private. We collect the absolute minimum data needed to create a binding record.

🌐

Decentralized Future

We are building towards a future where your reputation lives with you, on-chain and verifiable, independent of any bank.

The Friction

Why is this so hard?

Today, if you lend money to a friend, you have two bad choices:

  • ✕ The Handshake: No record, high anxiety, relies on memory. Often ends in "I thought I paid that?"
  • ✕ The Contract: Feels aggressive, overly legal, and implies you don't trust them.
€260 Billion
Estimated volume of loans between friends and family in the US alone annually.
50% +
Percent of these personal loans that go unpaid or lead to disputes.

Development Status

Completed

Alpha Prototype

Core agreement logic and minimal UI testing carried out.

Current Stage

Private Beta

Onboarding initial users and refining the mobile flow.

Q3 2026

Public Launch

iOS/Android apps and full blockchain integration.

✓ What Knippix IS

  • ✓ A record-keeping tool
  • ✓ A communication aid
  • ✓ A reputation builder

✕ What Knippix is NOT

  • ✕ A bank or lender
  • ✕ A debt collection agency
  • ✕ A legal enforcement firm

Join the
movement.

Help us build the future of decentralized personal finance.

Privacy Policy

Last Updated: April 16, 2026

At Knippix ("we", "our", or "us"), we respect your privacy and are committed to handling personal data in a careful, transparent, and responsible way. This Privacy Policy explains how information is collected, used, and protected in connection with your interaction with Knippix.

Knippix is currently presented as a project and concept. Any future applications, platforms, or products may be governed by separate privacy policies, which will be made available where applicable.

1. Purpose

Knippix is focused on presenting a concept aimed at documenting and structuring private, peer-to-peer agreements. The information provided is for general informational purposes, including engagement with potential investors, partners, and other interested parties.

2. Information we collect

We follow the principle of data minimization and collect only limited information that is necessary to operate and improve the Website.

Information you may provide voluntarily

Contact details, such as your name, email address, or message content, if you choose to contact us via a contact form or email.

Information collected automatically

  • Basic technical data, such as IP address, browser type, device information, and pages visited.
  • Anonymous usage data and website analytics to help us understand how visitors interact with the Website.

We do not intentionally collect sensitive personal data or financial information.

3. How we use your information

We use collected information solely to:

  • Operate and maintain the Website.
  • Respond to inquiries and communications.
  • Improve the content, performance, and security of the Website.
  • Monitor and prevent misuse or abuse of the Website.

We do not sell, rent, or trade your personal data to third parties.

4. Cookies and analytics

The Website may use cookies or similar technologies to ensure proper functionality and to collect limited analytical information. These cookies do not identify you personally and are used only to gain insights into website usage and performance.

You can manage or disable cookies through your browser settings. Please note that disabling cookies may affect certain features of the Website.

5. Data sharing with third parties

We may use trusted third-party service providers (such as hosting or analytics providers) to support the operation of the Website. These parties process data only on our behalf and in accordance with applicable data protection laws.

6. Data security

We take reasonable technical and organizational measures to protect your information, including:

  • Secure hosting environments.
  • Encrypted connections (SSL/TLS).
  • Access controls to limit unauthorized access.

While we strive to protect your data, no method of transmission over the internet is entirely secure.

7. Data retention

We retain personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

8. Your rights

Depending on your location, you may have the right to:

  • Request access to your personal data.
  • Request correction or deletion of your personal data.
  • Object to or restrict certain processing activities.

Requests can be submitted using the contact details below.

9. Changes to this privacy policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

10. Contact

If you have any questions about this Privacy Policy or how we handle personal data, please contact us at:
Email: info@knippix.com

Terms of Use

Last Updated: April 16, 2026

These Terms of Use ("Terms") govern your access to and use of Knippix and any related content, materials, and information made available by Knippix ("we", "our", or "us"). By accessing or using Knippix, you agree to be bound by these Terms. If you do not agree with these Terms, you should not use Knippix.

1. Purpose and nature of Knippix

Knippix is presented as a project and concept focused on documenting and structuring private, peer-to-peer agreements. All information provided is for general informational and illustrative purposes only. Nothing made available through Knippix constitutes legal, financial, or investment advice.

Knippix does not currently facilitate transactions, execute agreements, or act as an intermediary, broker, lender, or advisor.

2. Eligibility

You may use Knippix only if you are legally permitted to do so under applicable laws and regulations. By using Knippix, you represent that you are acting on your own behalf or on behalf of an entity you are authorized to represent.

3. Use of content

All content made available through Knippix, including but not limited to text, descriptions, graphics, logos, and concepts, is provided for informational purposes only.

You agree not to:

  • Use Knippix for any unlawful purpose.
  • Misrepresent your identity or affiliation.
  • Interfere with or disrupt the operation of Knippix.
  • Attempt to gain unauthorized access to systems or data.

4. Intellectual property

All intellectual property rights related to Knippix, including content, branding, trademarks, and underlying concepts, are owned by or licensed to Knippix, unless otherwise stated.

You may not copy, reproduce, distribute, or exploit any part of Knippix without prior written consent, except where permitted by applicable law.

5. No warranties

Knippix is provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, whether express or implied, regarding accuracy, completeness, reliability, or availability.

6. Limitation of liability

To the fullest extent permitted by law, Knippix shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or reliance on, Knippix.

7. Third-party links

Knippix may contain links to third-party websites or resources. We are not responsible for the content, availability, or practices of such third parties, and access to them is at your own risk.

8. Modifications

We may update or modify these Terms from time to time. Any changes will become effective upon publication. Continued use of Knippix after changes constitutes acceptance of the updated Terms.

9. Governing law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, unless mandatory law provides otherwise.

10. Contact

If you have any questions about these Terms, please contact us at:
Email: info@knippix.com

Cookie Policy

Last Updated: April 16, 2026

This Cookie Policy explains how Knippix ("we", "our", or "us") uses cookies and similar technologies when you interact with Knippix.

1. What are cookies

Cookies are small text files that are placed on your device when you visit a website. They are widely used to ensure websites function properly, improve user experience, and provide insight into how a website is used.

2. How we use cookies

Knippix uses a limited number of cookies and similar technologies solely to support the operation and performance of its online presence. Cookies are used to:

  • Ensure basic functionality and security.
  • Understand how visitors interact with content.
  • Improve performance, usability, and reliability.

We do not use cookies for advertising, profiling, or tracking users across third-party websites.

3. Types of cookies we use

Essential cookies

These cookies are necessary for the website to function properly and cannot be disabled through our systems. They are typically set in response to actions such as navigating pages or accessing secure areas.

Analytical cookies

Analytical cookies help us understand how visitors use Knippix by collecting aggregated and anonymized information. This allows us to improve structure, content, and performance.

4. Third-party cookies

We may use trusted third-party services, such as analytics providers, to help us understand website usage. These third parties may place cookies on your device solely for analytical purposes and in accordance with applicable data protection laws.

5. Managing cookies

You can control or disable cookies through your browser settings at any time. Please note that disabling certain cookies may impact the functionality or performance of Knippix.

6. Changes to this cookie policy

We may update this Cookie Policy from time to time to reflect changes in technology, legal requirements, or our practices. Any updates will be published with a revised date.

7. Contact

If you have questions about this Cookie Policy, please contact us at:
Email: info@knippix.com