INAMO Product — Accountability Era

UTANG
MO
'YAN™

Siya ay nagpapanggap na nakalimot. Kami ay hindi.

The AI-powered debt tracker para sa mga Pilipinong pagod nang mag-"sige, ibibigay ko na."

₱200 utang since 2019. Nagbago na ang mundo. Hindi siya nagbago. Tayo na.

I-track na ang Utang Paano ito gumagana?
9:41▋▋▋ 🔋
UTANG MO 'YAN™
5 ACTIVE
Total Receivable
₱4,350
Avg age: 847 days
Kuya Jerome
1,847 days · No response
₱2,000
Beshie Kong si G
312 days · Seen 3x
₱850
Tropa ni Kuya
90 days · "Sige bukas"
₱500
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Kuya Jerome
Since: Jan 14, 2020 · 5 years ago
Outstanding Balance
₱2,000
Jollibee date money na naging wala
Timeline ng Katampalasanan
Jan 2020 · Nangutang
Mar 2020 · "Next week na"
Dec 2021 · Bagong iPhone
Aug 2023 · Nagbakasyon Boracay
Today · Still ₱2,000 ang utang
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REMINDER SENT
Message sent to Kuya Jerome:
"Kuya, kamusta na? Naalala ko lang yung ₱2,000 ha. Charot. Hindi charot."
Reminder #47 · Tone: Friendly-Passive
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UTANG ANALYTICS
83%
Never paid back
2.3yr
Avg debt age
Recovery Rate by Reminder Tone
Friendly
12%
Assertive
34%
Nuclear
71%
Nuclear mode works. We do not judge you.
Bayad Ka Na Ba? Debt Accountability Era Hindi Nakalimot Ang AI ₱200 since 2019 Saan Na Reminder #47 Sent Wag Maging Bangko Bayad Ka Na Ba? Debt Accountability Era Hindi Nakalimot Ang AI ₱200 since 2019 Saan Na Reminder #47 Sent Wag Maging Bangko

Ang Ugat ng Sakit

Ang kaibigan ay nagpapahiram.
Ang kaibigan ay hindi nagbabayad.
Same person.

Filipino debt culture is unmatched in the world. We lend money to kaibigan, kapitbahay, barkada, pinsan, tiyuhin, tropa ng tropa ng tropa — and then we're too bibo to ask for it back.

UTANG MO 'YAN™ is not about being gahaman. It's about accountability. Sana. At least maalala mo kung magkano.

"₱2,000 ang inutang niya para sa graduation gown niya. Nag-abroad na siya. Nag-abroad siya bes. Ang daming pera sa labas ng bansa. Hindi pa nagbabayad." — Anonymous · Makati · Verified victim
83%
ng Pilipino debt med hindi nabayaran within 1 year. At hindi pa nag-iinit ang relasyon.
2.3yr
average age ng hindi pa nabayarang utang sa Pilipinas. Mas matanda pa sa isang relationship.
₱3.8k
average total receivable ng isang Pilipino sa kanilang social circle. Alam mo na.
71%
recovery rate kapag ginamit ang Nuclear reminder tone. Hindi biro. Data 'to.

Paano Gumagana

Log. Track.
Remind. Collect.

Four steps. Walang awkward. (Konti lang.)

01

I-log ang Utang

Sino, magkano, kailan, para saan. Kaya pang i-add ng "nakalimutan ka pa nang salamin bago umalis." Detailed notes are welcomed.

02

AI Mag-t-track

Automated aging tracker. Lumalaki ang urgency score habang lumalaki ang bilang ng araw. 30 days: chill. 365 days: concern. 5 years: intervention na ito.

03

I-remind (Nang Matalino)

AI generates ang reminder message based sa relationship level, tone preference, at gaano ka siya kailangan bilang kaibigan. May "Friendly," "Assertive," at "Nuclear" mode.

Reminder Tones
FRIENDLY
"Bes! Kamusta? Naalala ko lang yung small thing, hehe."
ASSERTIVE
"Hi. Regarding the ₱2,000. When can I expect it?"
NUCLEAR
"I have receipts. I have dates. I have a lawyer friend."
We do not endorse the last one. Much.
UTANG MAP
IKO 2K 850 500 300 200
Ang bawat bilog ay isang utang.

Features Deep Dive

Hindi lang track.
Nagtatago ng receipts
para sa'yo.

Debt Aging Engine

Tracks every single day. Auto-escalates urgency. The numbers get redder the longer they avoid you. Literally.

AI Reminder Generator

3 tones calibrated by relationship depth, time elapsed, and how badly you actually need the money right now.

Debt Network Map

Visual graph ng kung sino ang may utang sa iyo. Bigger circle = mas malaking utang. Para makita mo ang full picture.

Recovery Analytics

See which reminder tone works best per person. Spoiler: Nuclear mode has a 71% recovery rate. Just saying.

Lahat ng Features

Built for Pilipino
social debt culture.

2.3yr
Avg Age

Ganyan katagal ang average na hindi nabayarang utang. UTANG MO 'YAN tracks every single day.

AI Reminder Generator na may Personality

Hindi generic ang reminders. AI analyzes the relationship dynamic at gumagawa ng message na parang ikaw ang nagsulat — kung gusto mong maging mahinahon, assertive, o nuclear na. Walang judgment. (Konti lang.)

Group Debt Splitting

Para sa mga tambayan na si isa na naman ang nagbayad ng lahat. Hindi ka na magtatampo nang tahimik.

Payment Deadline Setter

Set gentle or firm deadlines. Automated follow-ups bago mag-deadline. Wag nang mag-alala pa ikaw.

Recovery Rate Insights

Learn which approach works best per person in your list. Personalized debt recovery playbook, essentially.

Shared Accountability Mode

Optional: let the debtor see their own record. Yung "oh, ganoon na pala kalaki" moment. Works surprisingly well. Shining light on the debt is sometimes enough.

Mga Nagsabi

Tunay na stories.
Tunay na pain.

★★★★★

"Kuya ko may utang sa akin ng ₱3,000 since 2018. Nag-abroad na siya, nag-bagong kotse. Ginamit ko ang Nuclear mode. Nagbayad siya sa loob ng tatlong araw. Nagtext pa siya ng 'miss kita.' UTANG MO 'YAN saved my relationship at my money."

Anonymous, 29

Makati · Currently has 2 siblings na may utang pa rin

★★★★★

"Ang app ay may feature na 'Seen Counter' — tinitinuan ko kung ilang beses niya na nakita ang message at hindi nagreply. 47. 47 na beses. GRABE. Nagbigay ito ng closure even without payment."

Rizza M.

QC · Still waiting for her ₱500 · Pero okay na siya

★★★☆☆

"3 stars lang kasi nalaman ng bestie ko na ginagamit ko ang app para sa kanya. Hindi siya nagalit pero nagbayad siya agad. So technically nagwork pa rin. I-upgrade ko sa 5 stars pag-isipan ko pa."

Gio

Pasig · Bestie is still bestie · Money recovered

Presyo

Mas mura kaysa sa
hindi mababawi na utang.

Para sa Casual

LIBRE

1-3 kaibigan lang naman may utang, charot

₱0

forever · no catch · promise

  • Track up to 5 debtors
  • Basic debt aging tracker
  • Friendly tone reminders only
  • Simple debt log with notes
Simulan ng Libre

Pinakasikat

TRAYDOR

Para sa may buong barkada na may utang

₱199

bawat buwan · cancel anytime

  • Unlimited debtors — walang limit
  • All 3 reminder tones pati Nuclear
  • Debt Network visualization map
  • Recovery analytics per person
  • Group debt splitting feature
  • Payment deadline with auto-follow-up
I-try ng 30 Araw

Negosyo Nito

COLLECTOR

Para sa informal lenders at micro-finance

₱599

bawat buwan · para sa professionals

  • Everything sa TRAYDOR
  • Bulk debtor import via CSV
  • Legal reminder templates (lawyer-reviewed)
  • Repayment schedule builder
  • Export reports for documentation
  • Priority support (hindi robot sumasagot)
Makipag-usap Tayo

Handa ka nang makuha
ang sa'yo?

Sumali sa 8,400+ Pilipinos na nagsimulang i-track ang kanilang receivables. Ito na ang oras.

I-download — Libre

*Hindi kami lawyer. Nuclear mode is your own decision. Good luck.

Seryoso na tayo.

Need AI, automation, or a new digital product?

Fill this out and I'll get back to you personally — no templates, no sales pitch.

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