Friends & family · we never touch your money.
POR
One outbound SMS does at most one of: alert · handoff link · binary fork (prefer taps) · confirm what already happened. Heavy work and terms live on the page (or email). Prefer
payment@ for receipt forwards.
1 · invite
Soft invite
Ty wants to set up a friends & family loan tracker with you on Pocket Change. Not a bill. Not a charge. We never touch money. Open only if you know them: plt.io/i/…
Amount hidden until open → invite web.
2 · OTP
Verify
Pocket Change code: 482917. Enter it on the page. Never share this code.
Code only → otp / continue on web.
3 · handoff
Agree / request change
Boat terms ready. Open to agree or request a change: plt.io/a/…
Link only — terms on agree page.
4 · funding
Pending funding / funded
Boat agreed — waiting on Ty to fund. Open: plt.io/p/…
Boat funded. Reminders start. Open loan: plt.io/l/…
One-liner + link.
5 · confirm
Payment applied (both)
Boat: $50 applied · $420 left
Confirm only — no ask.
6 · one fork
Ambiguous payment
Got $150. Apply how?
[ Same as last ] [ All to Boat ] [ Open ]
[ Same as last ] [ All to Boat ] [ Open ]
One SMS · taps or clarify page. If ignored → pending in notebook.
7 · handoff
Tab add-on / late / pause / dispute
Mom wants to add $65 to Household tab (groceries). Open: plt.io/ta/…
Link only — extras → tab add-on (or propose new fixed). No fixed pile-on rebalance.
7x · DEPRECATED
Fixed pile-on (retired)
~~Mom wants to add $200 to Boat (vet). Open to review: plt.io/o/…~~
Out of MVP — funded fixed stays the contract. Use tab add-on or propose a new fixed loan.
3b · handoff
Agree tab
Household tab terms ready. Open to agree or request a change: plt.io/a/…
Link only — first charge creates balance.
6b · one fork
Overpay → tab credit
Got $150. Boat due is $43.87 — rest to Household tab?
[ Yes · tab credit ] [ All to Boat ] [ Open ]
[ Yes · tab credit ] [ All to Boat ] [ Open ]
When tab exists with same pair · default overpay on fixed → tab credit.
8 · due
Reminders (−3 / due / +3)
Boat due Fri · $43.87. Open loan: plt.io/l/…
One-liner + optional open link.
8b · late-fee eve
Last day before late fee (if unpaid)
Boat · last day before a $15 late fee (if still unpaid). Open: plt.io/l/…
One-liner + optional open link.
9 · receipt
Receipt forward ack
Got your receipt · applying to Boat. You’ll get a confirm shortly.
Prefer payment@ · MMS/SMS same parser → confirm or one clarify.
10 · fork
Same as last time?
Same as last time? ($100 Motorcycle · $50 Boat)
[ Yes ] [ No — open ]
[ Yes ] [ No — open ]
One fork with taps.
11 · ack
Inbound free-text
Got it. Open to tell us: plt.io/…
One ack with link · second unclear → flag in-app, stop texting.