Free covers the essentials forever: your whole private Ledger, borrower lookups against Signals once your account is approved, the Direct first hop on a person record, and the existing exports. It's a real tool, not a trial.
Pro adds memory and reach for people who lend often: a watchlist that syncs across your devices, alerts in your inbox (and by email if you opt in) when a watched handle is reported, and your own loans with someone, marked on their record.
Paying directly
If you pay us directly for Pro, an operator records the payment and its number of months. Your Account page shows the paid Pro end date and a list of direct payments. A payment recorded with zero months does not extend Pro.
Five days before paid Pro ends, and on its end date in New York time, look for a renewal reminder in your inbox. To renew, arrange another direct payment with us.