Changelog
We ship often — most updates reach the iOS app over the air without an App Store download. Version numbers track each deploy across app, API, and web.
Lender payment tools, audit schedule & clearer onboarding
- Lenders can forgive, extend, or log payments in one Edit Payments flow — including due-payment options on solo loans.
- Audit PDF now includes the payment schedule with paid-on-time, late, past-due, and upcoming status for each installment.
- New-user intro shows calendar feed and printable audit screens so due-date subscription and the ledger are clear before sign-in.
- Empty-account dashboard uses a focused hero until you have at least one loan; invites show the loan title and description with back navigation.
- Written-off loans appear in their own list section; loan detail clarifies Edit Loan vs schedule changes, and wraps action buttons when there are many.
- Lender dashboard clarifies waiting-on-receipt with a 24-hour reminder; chat alerts stay quieter during an active conversation; counter-proposals need a final lender confirm.
Notes, loan detail polish & bad-debt tracking
- Lenders can write off uncollectible loans and export a bad-debt statement PDF; written-off loans can appear on counterparty reports when linked by phone.
- Private loan notes are now multiple notes with create, edit, and delete — each note has its own share toggle so you choose what the other party sees.
- Loan detail shows Borrower and Lender labels above avatars, with an Activity flow between them; Disbursements and Payments sections collapse to reduce clutter.
- Loans list uses a clearer teal/amber palette for filters and row status.
- Focused inputs stay visible when the keyboard opens; Add note and similar actions have improved contrast.
Loan modifications, in-loan chat & audit PDF
- Unified loan modifications replace schedule amendments — propose new dates, extra principal, or payment changes while current terms stay in effect until accepted.
- Message your counterparty inside each loan; edit or delete messages until the other person has seen them, with unread badges and push alerts for new chat.
- Partial disbursements: lenders can send funds in tranches, each with its own receipt confirmation.
- Branded transaction audit PDF for both parties — a ledger-style export of disbursements, payments, and balances.
- Loans can have a short title plus an optional longer description shown on list cards and detail.
- Lenders can log received payments that borrowers must confirm; invitees can agree to proposed terms and ask questions from the invite screen.
- Negotiation loans stay out of funded balances until terms lock; in-negotiation loans sort above past-due on the list.
- Done button on every keyboard and amount keypad; soft version gate nudges outdated app builds to update.
Progressive loan setup & payment options
- Single progressive create-loan path: start simple (amount, start date, payback date) and expand into interest, installments, or a custom schedule when you need them.
- Lending and Borrowing views on the Loans tab with independent status filters; dashboard stats deep-link into filtered lists.
- Upcoming payments hub groups what you owe or are owed by person, with expandable next-due rows per loan.
- Invite from your device address book; reuse past counterparties on solo loans.
- Chime, Zelle, and Bitcoin (live CoinGecko price) join PayPal, Venmo, and Cash App on profile — LoanMe tracks loans and never moves money.
- Redesigned loan cards show remaining balance and a due-in-full calendar; Past Due sections and filters on web and mobile.
- Expo SDK 57 / React Native 0.86 upgrade for current iOS builds.
Solo tracking, calendar feed & push alerts
- Solo tracking loans: keep a private ledger when the other person is not on LoanMe — no invites, no score impact, full edit/delete anytime.
- Calendar subscription at cal.my-loans.app replaces on-device sync — subscribe once in Apple or Google Calendar; tap an event to open the loan in the app.
- Universal Links and Android App Links for calendar event deep links, including cold-start routing fixes.
- Expo push notifications for due dates, chat, confirmations, disputes, modifications, and invites — with per-type preferences under Settings → Alerts.
- Settings reorganized into Profile, Calendar, Payment Apps, and Alerts tabs; Bitcoin payments moved to their own page.
- Admin portal: loan analytics, push monitoring, bulk test-loan seeder, notification copy editor, and maintenance tools.
- Global avatar menu for cross-page navigation; dedicated Upcoming payments page; polished empty states across Loans, Reports, and Notifications.
- Over-the-air (OTA) updates for JS-only fixes without a new App Store build.
Loan Me Score, messaging & payment review
- Loan Me Score and shareable reports — request time-limited access to a counterparty’s track record before you lend.
- Reports hub lists your report and everyone who has shared access with you.
- Per-loan messaging with a composer on loan detail; payment and disbursement deep links using saved payment usernames.
- Payment review flow: record with optional proof screenshot, adjustable amount/date, confirm or dispute until both sides agree.
- Borrowers can deny disbursement receipt; lenders disburse through a modal with optional proof and shared description.
- Create-loan wizard with progressive fields, custom payment schedules (drag to reorder), embedded numeric keypad, and calendar date pickers.
- Interest and flat fees with simple-interest scheduling; payback frequency includes daily, weekly, bi-weekly, and custom.
- Dashboard split into Lending and Borrowing tabs with balance cards, past-due highlighting, and compact payment rows.
- Loan detail header redesign with payment-flow timeline, report icons per party, and next-due payment row.
Disbursements, invites & calendar export
- Disbursement step before a loan activates — both parties confirm terms, then the lender sends funds and the borrower confirms receipt.
- Rich invite preview on web and mobile; counterparty can edit terms, withdraw, or request the originator’s report before joining.
- In-app loan invites by username plus share-link invites with secure codes; past-counterparty carousel on invite.
- Calendar export for locked-in payment schedules (later superseded by the subscription feed).
- Loans list with pending vs active sections, collapsible groups, and role-based filters.
- Profile avatars synced with Clerk; payment app usernames on profile for one-tap pay links.
- Admin loans portal with full CRUD for loans, payments, and installments; admin user management with Clerk sync.
Web app, TestFlight & production launch
- LoanMe web app at app.my-loans.app — same core flows as iOS in any browser, with Clerk sign-in.
- Marketing site, invite landing pages, and admin dashboard deployed on Railway.
- Clerk authentication (Apple, Google, email); production API at api.my-loans.app.
- Payment confirmation and dispute loop with accessible confirm modals on web and native.
- Loan edit and delete; two-column loans grid with payment status.
- EAS Update for over-the-air JS deploys; local iOS archive scripts and TestFlight submission workflow.
- Rate limiting and auth hardening for production traffic.
Initial release
- Core loan tracking between lender and borrower — create a loan, invite a counterparty, agree on terms, and log payments.
- Shared confirmation so both parties verify each payment.
- Mobile app (Expo / React Native) with tab navigation: Dashboard, Loans, Reports, Notifications, Settings.
- PostgreSQL API with Prisma; monorepo with shared types and schemas.
- Invite-web service for secure loan invite links.