Family loan recordkeeping checklist — Keep the agreed terms before money becomes a dispute. Use the keeping checklist for the agreed terms and signed copies. It is not a loan agreement or promissory note.
Your photos and files stay on your device, so keep them.
Not a loan agreement or promissory note. Use an appropriate local template or lawyer for the agreement; this only tracks the terms and copies. A worksheet, not an official form; use your regulator's / carrier's / insurer's own form where one is required.
Check your regulator's own form. The printable version lists the source behind every field. CSV versions have an instruction row above the headings.
Keep the completed copy and its source records. A time receipt dates those exact bytes; it does not establish that an entry is true or accepted. Save a new copy when signed records change.
Your photos and files stay on your device, so keep them.
Local preview: files are fingerprinted here. Notes and progress stay in this browser. Keep downloaded copies; browser storage is not a backup.
Not a loan agreement or promissory note. Use an appropriate local template or lawyer for the agreement; this only tracks the terms and copies. A worksheet, not an official form; use your regulator's / carrier's / insurer's own form where one is required.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.
The link is recorded, not fetched or verified.
Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.
The link is recorded, not fetched or verified.
Record the date, time, place and who you spoke to. New notes are saved separately rather than editing an old note.
How to keep notes that hold upBy making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
Write notes as soon as you can. Keep the original account rather than replacing it later; the venue decides what weight it gets.
Use the keeping checklist for the agreed terms and signed copies. It is not a loan agreement or promissory note.
Records to keep: Agreement · Transfer
Your device fingerprints the selected file or manifest. Dated follows an independent timestamp; Permanent follows Bitcoin anchoring.
An independent time, tied to the exact bytes.
Use an appropriate local agreement template or lawyer for the instrument itself, then date the signed copy.
Keep the originals too. A changed or compressed copy has a different fingerprint.
Make a test receipt on this device.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
or drop a file here
Real cases where dated records mattered. We don’t claim a time receipt would have changed the result.
A relative lent money with no signed note, but the cheque said loan and interest was paid for years. The court found a promise to repay and used a fair time for repayment. The appeal court kept the lender's win.
Summarized on Oct 29, 2026
Read the decision ›Parents gave a couple several payments, but only one had a signed loan note and security. The appeal court treated the earlier payments as gifts and the note's claim as too old. It set aside the ruling that the husband owed the parents.
Summarized on Oct 29, 2026
Read the decision ›A husband gave his wife money in return for a signed note backed by shares. The tax court found no real intent to seek repayment in the family plan. It refused the tax break for the unpaid debt.
Summarized on Oct 29, 2026
Read the decision ›Positions below refer to the cited rule or record type, not endorsement of Timevolt. This service is not represented as an eIDAS qualified timestamp provider. A non-qualified timestamp does not receive the qualified timestamp presumption.
FRE 902(13) and 902(14): self-authentication of certified electronic records and data copied from a device or file, authenticated by a process of digital identification
Rule text plus 2017 committee note say hash values are the usual digital identification method and matching hashes indicate identical copies, supported by a qualified person's certification with notice. Applies to authenticating a file, not to proving who made it or what it means. State courts have their own rules.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceIRS gift tax FAQ: a gift is any transfer where full consideration is not received; annual exclusion $19,000 per donee for 2026
Page opened does not address family loans, below-market loans, or what documentation shows a loan; it only defines gifts. Whether a transfer is a loan is decided on intent to repay and facts, as in Van Anda.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceThe cited Louisiana family-payment decision (1997) discusses the witness and corroboration requirements for the oral-contract dispute. Check current law and the particular transaction.
Shows some states require corroborating records beyond testimony for undocumented loans; a dated record is one form of corroboration but not the only one.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourcePrices change. Check each provider’s site for current prices and service details.
A completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents.
It does not prove who signed or sent the money, that the money was a loan rather than a gift, that anyone intended repayment, or how a court or tax authority would rule.
This cannot establish signatures, money transferred, an obligation to repay or a court or tax outcome.
These are the bounds of a completed proof. The local tester does not establish any time. The chosen court, scheme or regulator decides what to accept.
Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking. Privacy Policy.
Often a loan can exist without a written note, but it is much harder to prove. Courts look at intent to repay, and some states require corroboration for larger oral agreements. A signed agreement plus the transfer record is the safest paper trail.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerEvidence of intent to repay: a signed note or agreement, a loan label on the transfer, repayment terms, actual repayments or interest, and no pattern of the lender treating the money as a gift. A note alone is not always enough.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerA completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerYour file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerIt leaves a date in your mail account, but it is controlled by a mail provider and easy to dispute. An independent RFC 3161 timestamp authority dating the fingerprint is a stronger, separate record of the date.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerThe IRS defines a gift as a transfer without full consideration back; a real loan is not a gift, but a transfer treated as a gift can count toward the annual exclusion ($19,000 per recipient for 2026). Ask a tax professional about interest and your situation.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerYes. Each repayment is evidence the money was a loan, as in the Indiana case where years of interest payments supported the loan finding. Add repayment records as separate time receipts.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerThe file tester runs on your device. It does not issue a timestamp or take a payment.
Keep your original files and any existing official records while the receipt service is being prepared.