Amico is a peer-to-peer lending platform that brings structure, transparency, and accountability to informal loans. Conceived by our customer, Amico simplifies the process by enabling users to create secure loan agreements, obtain mutual approvals, and manage repayments in one convenient app. Our team has transformed this vision into a fully functional, high-tech solution, ensuring a seamless and secure user experience. By digitising and formalising these financial transactions, Amico fosters trust and provides clarity for lenders and borrowers.

Informal loans often have misunderstandings, lack of documentation, and missed repayments, leading to strained relationships and financial disputes. Without a clear structure, lenders and borrowers struggle to track loan terms, remember due dates, and maintain trust throughout repayment. Our customer identified these pain points and conceptualised Amico as a solution. Our role was to bring their idea to life through cutting-edge technology, creating a seamless, user-friendly platform that eliminates ambiguity and promotes financial responsibility.

With the Amico team’s core concept as our foundation, we focused on delivering high-end technology solutions that enhance loan management while ensuring transparency and security. Here’s how Amico achieves this:
Loan Agreement Creation: Amico guides users through an intuitive process to create detailed loan agreements. Users can input key details such as loan amount, repayment terms, interest (if applicable), and due dates. This structured approach eliminates confusion and sets clear expectations from the start.
Mutual Agreement Approval: Both the lender and borrower can review and approve loan terms digitally, ensuring mutual understanding and commitment. This feature fosters trust and accountability, reducing the risk of disputes.
Centralised Record Keeping: All loan agreements are securely stored within the app, providing a clear, centralised history of active, completed, and pending loans. This eliminates the hassle of manual tracking, making it easy for users to access their financial records anytime.

By formalising informal loans, Amico has transformed the peer-to-peer lending experience. Thanks to our expertise in high-end technology, we helped turn the customer’s vision into a reality, delivering a structured, secure, and user-friendly solution that simplifies every step of the lending process. Lenders can confidently provide financial support without fear of misunderstandings. At the same time, borrowers gain a clear repayment roadmap, ensuring responsible financial management. Amico redefines personal lending by making trust and transparency the foundation of every transaction.