- DeFi Apps
- Fintechs
- Borrowing and Lending
- P2P Remittances
- Arbitrum
- Base
- XRPL
- Stellar
- No
- Android
- iOS
- Web
- Paid
- North America
- United States
Building the infrastructure for interest-free personal lending between friends and family by combining legal contracts, automated repayments, and trust-first fintech.
Sarf is a fintech platform building the infrastructure for interest-free personal lending between friends and family, bringing clarity, automation, and trust to a market that today operates almost entirely off-platform.
Globally, hundreds of billions of dollars are lent informally each year between people who already know and trust one another. These loans are rarely documented, difficult to track, and often strain relationships when expectations or repayments break down. Sarf transforms this informal behavior into a structured, transparent system without introducing interest, predatory practices, or balance sheet risk.
Sarf enables users to create legally binding loan agreements, define clear repayment terms, and automate payment tracking through integrated banking rails. Repayments are scheduled, reminders are automated, and both parties have real-time visibility into loan status. Where appropriate, users can optionally secure loans with collateral held programmatically, adding accountability without turning personal lending into a traditional credit product.
The platform is built on a hybrid financial stack, combining regulated US banking infrastructure (ACH and FBO accounts) with smart contract logic for enforcement, transparency, and future extensibility. This allows Sarf to serve mainstream users while supporting advanced features such as programmable collateral and reputation-based trust scoring without forcing users into complex financial workflows.
Sarf is interest-free and values-aligned by design, making it naturally compatible with ethical finance and Shariah-compliant use cases, while remaining broadly accessible to any user seeking a fairer alternative to traditional credit. The company focuses on enabling trust rather than pricing risk, positioning Sarf as a system of record rather than a lender.
Sarf seeks to become a foundational infrastructure for personal and community-based finance globally - starting with friends and family lending and expanding into SMEs, diaspora financial flows, and AI-powered financial tools built on trust, transparency, and responsible innovation.
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