Latest XC-ID
XC-REG-284K-4.9%-48M
Protect Your
Family
Wealth.
Formalise private loans between family and friends. Shield your capital from legal ambiguity, divorce settlements, and relationship friction.
Live Deed Status
The problem
Protect Your
Wealth From
Family Court.
In Australian divorce proceedings, informal family money is almost always classified as a gift. Without formalisation, it becomes part of the matrimonial pool to be split.
Gift vs. Enforceable Debt
Xchqr generates the legal documentation and repayment trail required to prove capital is a debt. This ensures your capital returns home, even if a relationship breaks down.
Bank of Mum and Dad
Helping children buy property? Xchqr creates a professional legal barrier that protects your life savings from third-party claims and matrimonial asset pool inclusion.
Estate Equalisation
When different children receive different amounts, Xchqr's immutable ledger gives executors a single source of truth, preventing sibling disputes before they begin.
Asset Shield Active
Legal Status
Debt Protected
Classified as Liability under Family Law Act 1975. Capital excluded from matrimonial asset pool.
XC-ID Reference Hash
XC-REG-284K-4.9%-48M
The platform
Modern
Stewardship.
Total Safety.
Xchqr replaces the awkward ask with a professional system. We handle the paperwork, the mathematics, and the reminders so your family relationships stay intact.
01 // Architect
Xchqr Architect
Drafts a formal 16-page Deed of Loan in minutes. Define your principal, interest rate, repayment schedule, and asset parameters.
Under 10 minutes02 // Monitor
Bank-Direct
Real-time repayment monitoring connected directly to the borrower's bank account via Plaid. Every repayment logged to an immutable ledger.
Treasury Membership03 // Integrity
X-Score
Port your financial integrity to future lenders. Your repayment history builds an X-Score shareable with mortgage brokers and financial institutions.
Coming soonReal outcomes
Capital Protected.
Families Intact.
Over $1.2 million in private capital secured during beta. These are the situations Xchqr was built for.
5,000+
Australians on
the waitlist
$1.2M
Private capital
secured in beta
10min
Average time to
execute a deed
01
Home DepositMargaret & David, NSWRetired couple, lent to their youngest daughter
They gave their daughter the deposit. They just wanted to make sure it stayed hers.
Margaret and David had watched the Sydney property market price their daughter out for years. When she finally found a place in the inner west, they were ready to help with $95,000 toward the deposit. But their solicitor had warned them about the Presumption of Advancement. Without documentation, that $95,000 was legally a gift the moment it left their account.
They used Xchqr to formalise the arrangement in under 15 minutes. Their daughter signed the Execution Declaration that afternoon. The deed sat quietly in their Vault. Two years later, their daughter's relationship ended and property settlement proceedings began.
02
Relationship BreakdownRobert, QLDSmall business owner, lent to his son
He lent his son $180,000. Four years later, a Family Court judge asked for the paperwork.
Robert had built his business over 30 years. When his son and daughter-in-law needed capital to buy their first home on the Gold Coast, he transferred $180,000 without hesitation. They had a verbal agreement: his son would repay it when he could.
When the marriage broke down, his daughter-in-law's legal team argued the transfer was a gift. Under the Presumption of Advancement, they had a strong case. Robert had used Xchqr six months after the transfer when a colleague mentioned it. The repayment ledger showed three years of consistent repayments verified against his son's bank account.
03
Estate EqualisationThe Papadopoulos family, VICThree adult children, one estate dispute avoided
Three children. Two property loans. One family that stayed together.
Helen and George had helped two of their three children into property over a decade, $120,000 to their eldest and $85,000 to their middle child. Their youngest had never needed help. When George passed away unexpectedly, the estate executor faced an impossible question: how do you divide assets fairly when two children received significant transfers that were never formally documented?
Helen had used Xchqr for both loans after reading about the platform through her financial planner. Each loan had a separate XC-ID hash, an executed Deed of Loan, and a full repayment history.
What people are saying
We assumed a handshake and good intentions were enough. Xchqr showed us how exposed we actually were. The process took less time than our morning coffee.
As a mortgage broker I see the Bank of Mum and Dad every week. I now recommend Xchqr to every client whose parents are contributing. It protects everyone in the transaction.
I was sceptical that a $99 product could do what a solicitor does. Having read the deed thoroughly, I was genuinely impressed. This is properly drafted documentation.
Interactive Live Sandbox
Simulate Your Asset Shield
Type in your parameters to see how Xchqr's mathematical engine translates your raw capital into standard amortisation and structured legal clauses.
Repayment Frequency
Monthly Repayment
$4,775
AUD per month
Total Repaid
$286,519
over full term
Total Interest Paid
$36,519
cost of borrowing
Loan Duration
5 yrs
60 months
Court Execution Hash
XC-REG-250K-5.5%-60M
Calculations are indicative only and based on standard amortisation formula. Results do not constitute financial advice.
Actual repayment amounts may vary. Consult a financial adviser for personalised guidance.
Limited availability
Join As A
Founder.
Subscribe
For Free.
Sign up for our pre-launch waitlist and receive 12 months of Treasury Membership completely free when we launch. Value: $299.
5,000+
Australians already on the waitlist
Founder Waitlist
Secure Your Spot
Enter your details below. We will notify you the moment Xchqr launches with your free membership ready to activate.
No spam. No lock-in. Unsubscribe at any time.
You're on the list.
We will be in touch the moment Xchqr launches with your 12 months of Treasury Membership ready to activate.