Electronic promissory notes
The borrower's signed promise to repay a loan, created and signed online instead of on paper. It backs the loan and can be enforced if the borrower doesn't pay.
See loansDigital promissory notes and custody
Promissory notes and certificates of deposit, issued, signed and kept online.
Issue, sign, transfer, pledge and cancel titles entirely online, and keep them in central custody where each one stays unique and traceable. Each title is enforceable, with full evidentiary force, so it can back your loans and new kinds of financing. Live with clients in Colombia.
Two kinds of title, one custody
Digital certificates of deposit
Term deposits issued without paper. The customer's investment is recorded as a digital title that can be held, transferred or pledged.
See savingsNo more paper, vaults or lost originals
On paper
With Cowally
Notes are printed and signed in person.
Notes are created and signed online, in the same flow as the loan.
Originals are stored in a vault and hard to find.
Every title sits in central custody, findable in seconds.
Transferring or pledging a title means moving paper.
Titles are endorsed, pledged or cancelled with a few clicks.
Duplicates and lost originals are a real risk.
Each title is unique and its full history is recorded.
Every step, online
Issue
Sign
Endorse
Pledge
Cancel
The title is created with the loan's or deposit's details.
The borrower signs online, in the same flow as the loan.
The title is transferred to a new holder when needed.
The title is offered as collateral.
The title is closed when the loan is repaid or the deposit matures.
Issue
The title is created with the loan's or deposit's details.
Sign
The borrower signs online, in the same flow as the loan.
Endorse
The title is transferred to a new holder when needed.
Pledge
The title is offered as collateral.
Cancel
The title is closed when the loan is repaid or the deposit matures.
In custody at every step: unique, traceable and recorded.
Central custody: every title unique and traceable
backoffice.yourbrand.com/custody
Search by customer, loan or statusGómez3 titles · 0.2 s
Issued14 Sep 2026 · Credit operations
Signed by borrower14 Sep 2026, 10:44 · L. Gómez
Received in custody14 Sep 2026, 10:44
Issued09 Oct 2026 · Treasury
Accepted by customer09 Oct 2026, 09:12 · A. Ruiz
Received in custody09 Oct 2026, 09:12
Issued02 Mar 2026 · Credit operations
Signed by borrower02 Mar 2026, 10:44 · M. Gómez
Pledged18 Aug 2026 · to Fondo Andino
Issued11 Jan 2026 · Treasury
Accepted by customer11 Jan 2026, 15:20 · C. Gómez
Endorsed05 Jun 2026 · to Inversiones Sol
Sample data from the product
Unique
Each title exists once; there are no duplicates.
Traceable
Its full history is recorded: issued, signed, transferred, pledged, cancelled, with who and when.
Findable
Search by customer, loan or status and find any title in seconds.
Enforceable
Each title is enforceable, with full evidentiary force.
Ready for audits
Every action on every title is on record.
What digital titles make possible
01
Lend with stronger backing.
Every loan can be backed by an enforceable title from the day it's paid out.
02
Fund your lending in new ways.
Titles can be pledged as collateral, opening new ways to finance your loan book.
03
Act faster if a loan goes bad.
The title is ready to enforce, with its full history on record.
Questions about digital titles
In Colombia, yes: titles are enforceable, with full evidentiary force, and Cowally is live with clients there. In other countries, validity depends on local rules; Cowally provides the technology and you secure the local permissions.
Online, in the same flow as the loan.
Yes. Titles are endorsed or pledged online, and every change is recorded in custody.
The title is cancelled, and its full history stays on record.
Only the people on your team whose role allows it.
See a title's life, from issue to custody
In one session we'll issue a title for a loan like yours, sign it online and show it in custody, with its full history.