Zirtue is a relationship-based lending app that simplifies loans between friends, family, and trusted relationships with automatic ACH loan payments. Zirtue by allowing the borrower to set an amount for the loan, while the lender defines the repayment terms. Once both parties agree, Zirtue services the loan-for a monthly subscription fee-via the Automated Clearing House (ACH) network. Relationship-based lending mobile app, zirtue card, and mobile checking that services loans between friends and family with an automatic loan repayment process.