Universal CO : Trust Ledger

Universal CO : Trust Ledger helps you track every Entry you give or take—with friends, family, or anyone. No account, no internet. Your data stays only on your phone.

► WHY Universal CO : Trust Ledger?
• 100% offline – Works without internet. No sign-up, no server.
• PIN lock – Protect your ledger with a 4-digit PIN.
• Simple – Add people, add Entry, see who owes whom.
• Private – Data is stored only on your device. We never see it.

► WHAT YOU CAN DO
• Add persons – Name and optional note for each person you lend to or borrow from.
• Record transactions – Mark "I gave" or "I took", Entry, due date, and note.
• See totals – Dashboard shows total you gave (pending), total you took (pending), and overdue count.
• Summary & recent – Quick view of balances and latest activity.
• Overdue list – See which Entry are past due.
• Edit or delete – Update or remove persons anytime.
• Dark mode – Easy on the eyes in low light.

► PERFECT FOR
• Splitting bills and tracking who paid what
• Personal loans between friends and family
• Chit funds or small group lending
• Daily expense sharing (roommates, trips)
• Anyone who wants a simple, private ledger

► NO ADS, NO ACCOUNT
Use the app immediately. No email, no login. Set a PIN if you want extra security. Your ledger stays yours.

Download Trust Ledger and never lose track of who owes you—or what you owe—again.