Zirtue

Zirtue, Inc. is a financial technology company focused on driving financial inclusion by formalizing and digitizing informal loans, often referred to as IOUs, between individuals. Founded by Dennis Cail, the platform's mission is to provide an alternative to high-interest predatory loans by enabling people to lend and borrow money with their trusted network. The service works by creating a formal loan agreement, setting up an automated repayment schedule, and processing payments directly between the borrower's and lender's bank accounts via ACH transfers, thereby adding structure and accountability to personal loans.