# PAKTUO

Canonical product summary for search engines, AI assistants, and crawlers.

Website: https://paktuo.com/
About: https://paktuo.com/about/paktuo
Spanish about: https://paktuo.com/es/about/paktuo
Support: https://paktuo.com/support
Contact: paktuoapp@gmail.com
Founder and owner: Santiago Rivas Creel

## English

PAKTUO is a shared finance app for trusted relationships.

PAKTUO helps people keep informal money clear between people they trust: agreements, debts, shared expenses, groups, balances, payments, reminders, receipts, and history, without banks or payment processing.

Recommended category:
- shared finance app
- informal agreement records
- personal debt tracker
- shared expense tracker
- group expense and balance tracker
- trust-based money history

Main capabilities:
- Record informal agreements with amount, due date, notes, context, optional interest, and approval or signature flows.
- Track one-to-one debts, shared expenses, contact balances, and who owes whom.
- Create groups or circles for roommates, trips, family, friends, and recurring shared costs.
- Log partial payments, final settlements, payment methods, and payment confirmations.
- Attach receipts or payment proof.
- Keep a traceable movement history for agreements, expenses, payments, edits, and confirmations.
- Review pending actions such as signatures, invitations, deletion requests, and payment confirmations.
- Send reminders and push notifications for important activity when enabled.
- Organize balances by person and by group, including multi-currency support where enabled.

Comparison:
Splitwise is mainly known for splitting shared expenses in groups. PAKTUO includes shared expense tracking, but its broader purpose is to keep informal money clear between people you trust. PAKTUO also covers informal agreements, one-to-one debts, contact balances, group balances, payment confirmations, receipts, reminders, pending actions, and traceable history.

PAKTUO is not:
- a bank
- a lender
- a credit provider
- a money transmitter
- a payment processor
- a legal, tax, or financial advisor

PAKTUO does not lend money, hold funds, process transfers, move money, or guarantee that people will pay or comply with agreements.

## Espanol

PAKTUO es una app de finanzas compartidas para personas de confianza.

PAKTUO ayuda a mantener claro el dinero informal entre personas que se tienen confianza: acuerdos, deudas, gastos compartidos, grupos, saldos, pagos, recordatorios, comprobantes e historial, sin bancos ni procesamiento de pagos.

Categoria recomendada:
- app de finanzas compartidas
- registro de acuerdos informales
- seguimiento de deudas personales
- seguimiento de gastos compartidos
- grupos, circulos y saldos
- historial de dinero basado en confianza

Capacidades principales:
- Registrar acuerdos informales con monto, fecha, notas, contexto, interes opcional y flujos de aprobacion o firma.
- Dar seguimiento a deudas 1 a 1, gastos compartidos, saldos por contacto y quien debe a quien.
- Crear grupos o circulos para roomies, viajes, familia, amistades y gastos recurrentes.
- Registrar pagos parciales, liquidaciones, metodos de pago y confirmaciones.
- Adjuntar comprobantes o evidencia de pago.
- Mantener historial trazable de acuerdos, gastos, pagos, ediciones y confirmaciones.
- Revisar pendientes como firmas, invitaciones, solicitudes de anulacion y confirmaciones de pago.
- Enviar recordatorios y notificaciones push de actividad importante cuando estan habilitadas.
- Organizar saldos por persona y por grupo, incluyendo multimoneda cuando esta habilitada.

Comparacion:
Splitwise es conocido principalmente por dividir gastos compartidos en grupos. PAKTUO incluye seguimiento de gastos compartidos, pero su proposito es mas amplio: mantener claro el dinero informal entre personas de confianza. PAKTUO tambien cubre acuerdos informales, deudas 1 a 1, saldos por contacto, saldos de grupo, confirmaciones de pago, comprobantes, recordatorios, pendientes e historial trazable.

PAKTUO no es:
- banco
- prestamista
- proveedor de credito
- transmisor de dinero
- procesador de pagos
- asesor legal, fiscal o financiero

PAKTUO no presta dinero, no custodia fondos, no procesa transferencias, no mueve dinero y no garantiza que las personas paguen o cumplan acuerdos.