What sharing actually does
VyajPay calls this a Synced Ledger. You (the lender) send a one-time sync request to a borrower’s VyajPay account. When they accept, every loan you have with that borrower — and every loan you add later — appears on their device with live payment updates flowing in both directions.
The sync card on the Borrower Detail screen is where the whole flow happens. It moves through four stages: Not connected, Sync request pending, Synced Ledger, and Unlink request pending. The button on the card changes as you move between stages.
Before you start
- The borrower profile in your app must have a phone number saved.
- You need an active internet connection at the moment you tap Sync.
- Your own VyajPay profile must have a verified mobile number — open Settings → Edit Profile if it is missing.
- Your borrower must be on VyajPay using the same phone number you saved for them. If they are not, the button reads Invite instead of Sync.
Common blockers VyajPay shows
- “Sync needs internet” — your device is offline.
- “Link your mobile number to share this loan with your borrower” — your profile is missing a verified phone.
Step-by-step
Open the borrower in VyajPay
Go to the Borrowers tab and tap the borrower you want to share with. The Borrower Detail screen opens.Tap the Sync button on the sync card
Near the top of the Borrower Detail screen, find the sync card. While the status reads UNLINKED, the action button shows “Sync”. Tap it to send a share request.Pass the pre-checks
The borrower must have a phone number saved. Your device must be online. Your own VyajPay profile must have a linked mobile number — if it is missing, VyajPay shows: “Link your mobile number to share this loan with your borrower.”Wait for the borrower to accept
The sync card flips to “Ledger Sync Request — ⏳ Sync Request Pending (Tap to Cancel).” VyajPay writes the request to the borrower’s account. You can tap Cancel anytime before they respond.Borrower accepts in their Received tab
On the borrower’s phone, the request appears under Borrowers → Received tab. They tap “Accept Loan Agreement”, read the consent dialog, and confirm with “I Accept & Agree”.Ledger goes live
Your sync card flips to “Synced Ledger · Securely linked · tap for details”. Loans and payments now stream both ways in real time.
What each sync stage means
| Stage | Button on the card | What you see |
|---|---|---|
| Not connected | Sync (or Invite) | Borrower is not yet linked. Tap to send a request. |
| Sync request pending | Cancel | “⏳ Sync Request Pending (Tap to Cancel)”. |
| Synced Ledger | — | “Synced Ledger · Securely linked · tap for details”. |
| Unlink request pending | — | One side has asked to unlink. The card returns to Not connected once confirmed. |
Unlinking after you’re synced
Unlink is on the Borrower Detail menu once the status is LINKED. VyajPay protects both parties from accidentally losing a live ledger while money is still owed.
Unlink is blocked when…
- Active loans exist — “Ledger cannot be unlinked while active loans exist. Close all active loans with this lender before unlinking.”
- An outstanding balance exists — “Ledger cannot be unlinked while there is an outstanding balance of {amount}. Please settle the balance before unlinking to maintain accurate financial records.”
Close every active loan and clear the balance to zero, then unlink. Only after unlinking can a synced borrower be deleted from your list.
Android vs iOS
Android
Sync card sits at the top of the Borrower Detail screen. Confirmation shows an Android-style dialog and a quick toast at the bottom.
iOS
Sync card sits at the top of the Borrower Detail screen. Confirmation shows an iOS-style alert. All 12 in-app languages are supported.
Both platforms behave the same — same stages, same buttons, same messages. Only the look of the confirmation dialog differs.
Frequently asked questions
No. Sharing is at the borrower level. Once the borrower accepts the sync request, every active loan you have with them — Flat, Reducing or Interest-Only — becomes visible on their device. New loans you add later are shared automatically.
They need the VyajPay app on Android or iOS, and they must have signed in with the same phone number you saved in their borrower profile. If the numbers don’t match, the share request never lands in their Received tab.
Only when there are no active loans and no outstanding balance. VyajPay blocks unlink with: “Ledger cannot be unlinked while active loans exist. Close all active loans with this lender before unlinking.” If there is an outstanding balance, the message reads: “Ledger cannot be unlinked while there is an outstanding balance of {amount}. Please settle the balance before unlinking to maintain accurate financial records.”
No. While the borrower is LINKED or the request is PENDING, deletion is blocked: “Cannot delete a synced borrower. Unlink first.” Unlink first (after closing loans and clearing balance), then delete.
If they decline, the pending request is removed and your sync card returns to UNLINKED — no message is shown to you, so you can simply tap Sync again. If they never act on the request, you can tap Cancel on your sync card to withdraw it.
No. Only the shared loan fields cross over: amount, interest rate, interest type (Flat / Reducing / Interest-Only), start date, reminder schedule, EMI count, fixed EMI amount (for Interest-Only), and the public note on the loan. Your other borrowers, your personal notes, and your contact list stay private.
When the sync card detects the borrower is not yet a VyajPay user, the button label switches from “Sync” to “Invite”. Tap Invite to send them the app link. Once they install VyajPay and sign in with the same phone number, come back to the borrower screen and tap Sync.
No. Loan sharing is in-app only between two signed-in VyajPay users. There is no public approval link. For one-off proof, use the Payment Receipt PDF from the loan detail screen — that can be shared on WhatsApp, email or SMS.