What you see
- Phone-verification gate (if your phone is not verified)
- Summary card: Total Borrowed across all linked lenders
- Pending Requests section (with Accept / Decline)
- Linked Lenders list (tap to open ledger)
Before you start
- Phone verified in Settings → Edit Profile.
- The lender saved your VyajPay phone number on their borrower record.
- Internet connection for the consent flow.
Unlink restrictions
Cannot unlink while active loans exist. Cannot unlink while outstanding balance is non-zero — VyajPay quotes the balance in the message.
Step-by-step
Open the Borrowers tab
Bottom navigation → Borrowers. Swipe to the Received sub-tab (a red dot indicates pending requests).Verify your phone if needed
If your phone is not verified, the Received tab shows a gate: "Secure Ledger Sync — Verify your phone to see loans shared by your lenders." Tap Verify Now to go to Settings → Edit Profile.Review the pending request
Each request card shows the lender name, the loan amount, and Accept / Decline buttons.Tap Accept Loan Agreement
A consent dialog opens: "By accepting, you confirm that you have borrowed money from {LenderName} at the agreed rate and promise to pay on time. You also consent to receive payment reminders via WhatsApp and in-app notifications." Tap I Accept & Agree.See the lender card
The pending request becomes a linked-lender card with your total outstanding. Tap to open the Borrowed Ledger for that lender.
Frequently asked questions
VyajPay matches incoming loan requests to your phone number. Without a verified phone, the app cannot confirm a request was intended for you, so the tab is gated.
Yes. Decline rejects the request immediately with no confirmation dialog. The lender does not see a notification — their sync card simply stays UNLINKED.
For each loan: Interest-Only → outstanding = principal. Flat / Reducing → outstanding = totalPayable − paymentsRecorded, clamped at zero. The Received summary card sums outstanding across all linked lenders.
Only if there are no active loans. Otherwise VyajPay blocks unlink: "Ledger cannot be unlinked while active loans exist. Close all active loans with this lender before unlinking."
Everything you see on screen is in rupees, rounded to two decimals. Behind the scenes VyajPay tracks amounts precisely so totals never drift due to rounding.