Trusted in 12+ jurisdictions

Debt instruments
built for a
transparent world.

Issue, verify and manage legally binding debt documents in minutes not weeks. With built-in SMS consent, multi-currency support and a complete audit trail.

Start Free — No Credit Card See How it Works
AM
FK
SE
LR
2,400+ professionals already managing debt instruments on Dayn
app.getdayn.com/dashboard
48
Active Instruments
2.4M
Portfolio Value
Doc IDAmountStatus
DN-2026-0341
185,000 AED
Active
DN-2026-0298
320,500 USD
Pending
DN-2025-0874
1.2M EGP
Settled
DN-2026-0251
750,000 USD
Active
76.4%
Recovery Rate ↑
100%
OTP Verified
USD US Dollar ·
AED UAE Dirham ·
SAR Saudi Riyal ·
EUR Euro ·
GBP British Pound ·
KWD Kuwaiti Dinar ·
QAR Qatari Riyal ·
EGP Egyptian Pound ·
JPY Japanese Yen ·
12+ Jurisdictions Worldwide ·
SMS OTP Debtor Verification ·
AES-256 Encryption ·
USD US Dollar ·
AED UAE Dirham ·
SAR Saudi Riyal ·
EUR Euro ·
GBP British Pound ·
KWD Kuwaiti Dinar ·
QAR Qatari Riyal ·
12+ Jurisdictions Worldwide ·
SMS OTP Debtor Verification ·
AES-256 Encryption ·
The problem

Debt documentation is still broken.

Millions of personal and business debt agreements are made on paper, WhatsApp messages, and verbal promises. When disputes arise, there's no evidence and no justice.

No paper trail
Disputed agreements
Weeks of legal back-and-forth
Cross-border complexity
No debtor consent record
Handwritten IOU — Ahmed & Mohammed
Undated, unsigned, disputed
Amount Owed
50,000 AED (disputed)
Due Date
Unknown — no date written
Witnesses
None
Legal Standing
Unenforceable
No legal standing
Dayn solves this
How it works

From agreement to
legal document in 5 steps.

No lawyers needed. No paperwork. No delays. Dayn digitizes and secures the entire debt documentation process — with a full audit trail.

Choose Type
Select individual or business instrument. We tailor requirements accordingly.
Enter Details
Amount, currency, due date, jurisdiction, reason — all structured and clear.
Debtor Info
Capture identity details — national ID, phone, email. Business? Add company data too.
OTP Consent
The debtor confirms via SMS OTP creating an irrefutable digital consent record.
Issued & Sealed
The instrument is timestamped, encrypted and stored ready for verification anywhere.
Platform features

Everything you need to manage debt properly.

A complete debt management platform — not just a document generator. Dayn handles the full lifecycle from issuance to settlement.

Smart Document Issuance
Issue legally structured debt instruments in minutes via a guided 5-step wizard. No legal background required.
IndividualsBusinesses
SMS OTP Debtor Verification
Every instrument is confirmed by the debtor via a 6-digit SMS code creating an undeniable consent trail.
Consent Trail
Instant Document Verification
Verify any instrument on the Dayn network by ID or QR code. Instant authenticity confirmation.
QR CodeAPI Access
Portfolio Analytics
Real-time dashboard with recovery rates, overdue alerts, settlement tracking, and multi-currency breakdowns.
Live Data
Complete Payment History
Every transaction logged — received, paid out, refunded. Filter by region, currency, status and date range.
Multi-currencyExport CSV
Multi-Jurisdiction Support
Operate across 12+ countries with local legal compliance. SAR, USD, EUR, AED and 8+ more currencies built in.
12+ Countries10+ Currencies
Who it's for

Built for every party in a debt agreement.

Whether you're lending to a friend, managing receivables for your business, or running institutional debt portfolios — Dayn scales with you.

Individuals
Lending to family, friends or colleagues? Stop relying on handshakes and WhatsApp screenshots.
Issue personal debt instruments in under 5 minutes
SMS OTP confirmation from the borrower
Automatic due-date reminders
Full payment history and status tracking
Share-anywhere PDF export
Businesses
Manage supplier credit, client invoices, and corporate loans with a full digital audit trail.
Company + authorized signatory verification
Commercial registration number capture
Multi-user team access with role control
Bulk export and reporting by jurisdiction
Webhook + API integration with your ERP
Financial Institutions
Banks, lenders and investment firms need enterprise-grade infrastructure for debt management at scale.
Multi-tenant architecture via dedicated workspace
SSO, 2FA, and granular permission controls
SLA-backed uptime and dedicated support
Custom jurisdiction + compliance configuration
Full REST API access with webhooks
Global reach

Debt doesn't stop at borders.
Neither do we.

Dayn operates across 12+ countries with built-in multi-currency support. Issue a debt instrument in Dubai, have it settled in London — all on one platform.

🇦🇪
UAE
AED
🇪🇬
Egypt
EGP
🇰🇼
Kuwait
KWD
🇶🇦
Qatar
QAR
🇸🇦
Saudi Arabia
SAR
🇬🇧
UK
GBP
🇫🇷
France
EUR
🇯🇴
Jordan
JOD
🌍
+4 More
Coming 2026
EGP
USD
EUR
Security & trust

Your instruments are protected by bank-grade security.

We've built Dayn with the same standards required by financial regulators — not as an afterthought, but as the foundation.

AES-256 Encryption
All documents and personal data are encrypted at rest and in transit using military-grade AES-256 encryption.
Identity Verification
National ID, OTP, and digital signature capture creates an irrefutable identity chain for every instrument.
Immutable Audit Log
Every action — issuance, verification, update, settlement — is timestamped and stored in an append-only audit trail.
99.9% Uptime SLA
Built on AWS with Aurora PostgreSQL, multi-region failover, and automated backups every 6 hours.
SOC 2 Type II (In progress)
GDPR Compliant
ISO 27001 Ready
AWS Secured Infrastructure
Data Residency Options
What people say

Trusted by people who take debt seriously.

"
Before Dayn, I had three unpaid loans with no documentation. Within a week of using the platform, two were settled because the debtors finally had a formal record they couldn't dispute.
KA
Khalid Al-Ahmadi
Real Estate Investor · Cairo
"
As a business owner in the UAE, cross-border debt was always a nightmare. Dayn's multi-jurisdiction support and multi-currency tracking has made it completely seamless.
SM
Sara Mansouri
CEO, Mansouri Trading Co · Dubai
"
The SMS OTP feature is a game-changer. Our legal team no longer has to chase down signatures — the debtor confirms digitally in seconds. It's reduced our disputes by over 70%.
NR
Nadia Rahman
VP Credit Risk · Gulf Finance Group
Start today

Ready to document your debts properly?

Join 2,400+ professionals who use Dayn to issue, verify and settle debt instruments across the world. Free to start. No credit card needed.

Create Free Account
4.9M
Value Managed
2,4K
Active Users
12+
Jurisdictions
76%
Recovery Rate