Project owners and debtors
To prepare terms, collect interest, conclude many agreements and prepare obligations for payment.
Project finance · Digital contracts · Repayment
From the project to the final due date.
We are building a place where a project, many lenders and individual agreements come together in one process. For local, energy, cooperative and business projects - from expressions of interest to long-term loan administration. Signing matters, but it is not the whole product.
The service is in a controlled pilot phase. An administrator onboards new users and projects; an existing user can sign in and submit a project brief.
Today you can try the public calculators, and existing users can access enabled features. The complete project workflow below describes our development and pilot direction, not a claim that every module is production-ready.
- One project
- Agreed terms, a controlled revision and debtor approval before creditors are invited.
- Many contracts
- A separately numbered agreement and evidence record for every accepted creditor.
- The full lifecycle
- Activation, due-date overview, batch payment orders and whole-claim transfers.
Why it exists
One debtor. Many creditors. Without seventy folders and seventy hand-maintained spreadsheets.
A solar plant, battery system, electric-vehicle infrastructure or another local, cooperative, public-sector or business project may need many smaller loans. The platform helps present the financing transaction, raise the funds and turn that operational burden into a controlled flow: from loan modelling and expressions of interest to individual contracts, signatures, activation and repayment.
The goal is not merely to digitise a signature. It is to make sound project transactions safe to repeat and multiply.
You can send a general document for signature, but the particular value of Digital Contracts appears when the agreement stays connected to its project, repayment schedule, due dates and evidence throughout its life.
Who the platform serves
Citizens and other creditors
For a clear individual agreement, verifiable signature, due-date schedule and secure access to their own documents.
Administrators, municipalities and communities
For a controlled process that lets local and other real projects be financed more transparently and with less manual work.
How a project loan proceeds
Pilot projects enter through an administrator. The debtor confirms the final terms before anyone can express interest.
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Present the project and model the loan
The project owner defines the purpose and financing terms, then calculates principal, interest, grace period, payment frequency, instalments and due dates.
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Prepare and approve the project
An administrator prepares a controlled revision. The debtor checks the data and only then approves it for invitations.
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Collect interest and conclude agreements
Creditors enter through an invitation, the debtor confirms the final allocation, and the platform generates individual agreements for signature.
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Activate and administer repayment
The debtor confirms receipt of principal. The system then manages due dates, reminders, orders and later creditor changes.
More than a digital DocuSign
The same structured data drives the calculator, contract, due-date overview and payment orders. This avoids manual re-entry and diverging versions.
Calculator and repayment schedule
Instalments, principal, regular and interim interest, and dates are calculated from one model.
Invitation and final allocation
An invitation may be shared with people who have no account; the debtor decides which applications to accept and in what amount.
Contracts and digital signatures
Every creditor receives an individually numbered agreement, a reviewable document and an appropriate signing flow.
Activation after principal arrives
Funds move directly to the debtor. An agreement activates only after the debtor explicitly confirms receipt.
Obligations and batch payment order
The debtor sees future due dates and can prepare a combined SEPA order for creditors without funds passing through the platform.
The whole claim, a new creditor
The current creditor privately names a buyer for the entire remaining claim. A separate agreement and settlement confirmation enter the new creditor in an immutable history and record the debtor notice.
What the platform is - and where its boundary lies
Digital Contracts provides infrastructure for the project, its documents and their administration. Financial and legal decisions remain with the parties.
Funds never pass through the platform
We do not take deposits or execute payments. Principal and instalments move directly between the parties' accounts.
We do not recommend investments
We do not determine creditworthiness, provide legal or investment advice, or hide risk assessment behind an AI score.
Public promotion is separately controlled
A project catalogue, public matching and capital notices can support financing, but only activate under a legally approved model. Pilot workflows use private invitations.
Signing is a module - and every level must be labelled honestly
General documents and loan agreements have different needs. Method availability and validation results are confirmed for the particular document and pilot.
Simple electronic signature
A signature drawn or typed in the browser has its own workflow and evidence record. We do not present it as the signer's qualified signature.
Card signing / QES
The Web eID integration needs a suitable card, reader and user-side software. A real card ceremony and its validation result must be confirmed in the pilot; we do not guarantee QES for every document in advance.
An already-signed PDF
Supported workflows can accept a document signed with another tool. What matters is the validation result for that PDF, not merely a “signed” label.
Remote signing and additional providers are part of further development. This page does not confirm their current availability.
Evidence that goes beyond a green checkmark
Keep the signed PDF
Download the final signed document and keep your own secure copy. Retain the original digital file as well as any printout.
Check the result
A document needs a verifiable signature and a clear validation result. An unavailable check or an unconfirmed trust chain is not confirmation of validity.
Storage that must be proven
Independent backups, access controls and verified archive recovery are requirements for a wider launch. We do not promise 100% availability or a completed archive before those checks.
Common questions
Is this a crowdfunding platform?
The core product is not a campaign page but infrastructure for preparing, concluding and administering project-linked agreements over time. Public promotion or matching is introduced only as a separate, legally approved module; pilot projects use private invitations.
Does the platform hold funds or track whether instalments were actually paid?
It does not hold funds. The debtor executes and books payments in its own banking and accounting systems. The platform prepares schedules, reminders and orders and stores explicit confirmations entered by users.
Does a creditor or signer need an account?
A verified email address and private invitation may be enough for an initial expression of interest. An account is required for long-term access to personal contracts and the document inbox; some signing flows can use a one-time link.
Is a simple signature equivalent to a handwritten or qualified signature?
No. Every document states its signature level. Where a transaction requires a qualified signature or particular form, the appropriate method and, when necessary, legal advice must be used.
Can part of a claim be sold?
Only the entire remaining claim may be transferred privately. The original signed agreement stays unchanged; a separate assignment agreement, settlement confirmation and creditor history prove the change.
Where is the signed agreement kept?
The authoritative record is the final signed PDF, not a document later reconstructed from database fields. The platform retains it with its content hash and evidence record; every party can and should download its own copy. Multiple independent copies and a successful archive-restore check are a separate gate before the service opens more broadly.
Do you have a project that needs multiple creditors?
Start with the loan model. We then turn a pilot project into a controlled invitation, a set of agreements and a sustainable repayment process.