The Advanced Guide to Using Lndr, the Only Crypto-ready Expense Sharing Mobile App

Built by Blockmason, Lndr is a peer-to-peer bill-splitting and expense-sharing mobile app that uses the Credit Protocol and the Ethereum blockchain to create, manage and settle casual debts and IOUs between friends.

While Lndr is similar to some peer-to-peer payment apps out there, it’s different in many ways. For example, Lndr is free to use and doesn’t contain any annoying ads or ask for any personal information. Lndr also doesn’t store, keep or sell any of your transaction details. With Lndr, your transactions are anonymously recorded to the Ethereum blockchain. Lndr offers best-in-class privacy and security so you can feel safe using it.

Lndr also offers you the flexibility to choose how you want to settle up with friends. It’s the first app to offer settlement in both traditional currencies or cryptocurrencies. Lndr also features integrated PayPal support. You won’t have to connect a bank account or share any credit card details.

So, without further adieu, let’s explore our Advanced Guide to Using Lndr.

Installing and Setting Up Lndr

Lndr is available for iOS and Android and is localized to support dozens of languages. Search for Lndr on the iOS App Store or Google Play Store, or click this link from your mobile phone:

Here’s how you can install and get started with Lndr:

Step 1: Select a nickname for your account and enter your email address. Keep in mind that Lndr is anonymous. Your email address is only used to communicate Lndr updates and news. If you wish, you can enter a fake or unused email address here. Once you have entered your nickname and email, tap Create Account.

Step 2: Create a 4-digit PIN code. You will use this code to login to Lndr and for other secure tasks inside of the app.

Step 3: Next, Lndr will display a 12-word mnemonic which you will need to recover your account. You must store this key somewhere safe which you can access if you ever lose your mobile phone.

Note that if you do not have your 12-word mnemonic and you log out of Lndr or lose your phone, your account is lost. Lost, forever! The Lndr team does not see this key and cannot recover your account, so store it safely!

How to Add Friends and Family to Lndr

Splitting bills, expenses, and tracking debts and IOUs with friends and family is the core of Lndr. With this in mind, Lndr is not going to be much use without adding those individuals as friends!

Here’s how to add a friend or family member in Lndr:

Step 1: Navigate to the Friends tab on the top menu bar.

Step 2a: If your friend is already using Lndr, type their Lndr nickname into the Nickname box. Click the Add button to add your friend to your friends list and confirm using the Add Friend button. Be sure that you’re adding the right person as your friend!

Step 2b: If your friend does not have a Lndr account yet, no problem. Click Invite Friends to Lndr where you can message or email them a link to download the Lndr app.

That’s it! Once you have added your friend, they will receive a notification to confirm your request. Once they have approved, you will be added to each other’s friends list.

If you wish to remove a friend, tap their nickname in the friends list, scroll down and tap Remove Friend.

How to Track a New Debt in Lndr

Whether you are splitting a tab or settling a bet on the football game, tracking debts is the primary way you will use Lndr. Recording a debt or IOU in Lndr is quick and easy, with a couple of taps taking care of everything.

Before we share how to track a new debt obligation in Lndr, there is one important point to share. One key feature of Lndr is that both parties must agree to the terms of the debt. This is called “mutual confirmation,” and it allows either party to create a debt in Lndr.

Here’s how to track a new debt or IOU in Lndr:

Step 1: On the Home tab, tap “A friend owes me” or “I owe a friend.”

Step 2: Use the Select button to see a list of your friends.

Step 3: From the friends list, choose who you want to record a debt with.

Step 4: Decide on the debt amount, currency and a short memo, then tap Submit to send the request to your friend. That’s it!

Once your friend has agreed to the debt request in Lndr, it’s considered to be complete. The debt is then recorded to the Ethereum blockchain and is ready for settlement.

Now, let’s explore how to settle up! You can settle debts in traditional currencies via PayPal, in cryptocurrencies like Ether, or record a settlement in cash.

How to Enable and Settle Up With PayPal in Lndr

You can use Lndr to settle debts in more than two dozen traditional or “fiat” currencies via PayPal. Of course, this means that you will need to have a PayPal account. And that account will need to have funds available or access to a bank account or credit card.

First, Lndr needs to connect with your PayPal account so that you can send and receive payments. The following steps assume that you already have a PayPal account. If you don’t, please visit to sign up. Please note that PayPal isn’t available everywhere in the world.

Step 1: Open Lndr and tap the Settings icon (the gear) at the top of the screen. Scroll down to Receive PayPal Payments and tap to open it.

Step 2: Now, tap Connect PayPal. The PayPal login screen will appear, and you will need to add your PayPal credentials. Note that this information isn’t seen or stored by Lndr.

That’s it! Lndr is now connected to your PayPal account. You can both settle up and receive payments from friends in traditional currencies. You can return to the PayPal section in Settings at any time to toggle PayPal off or on.

Now, let’s review how to settle up with PayPal.

Step 1: Navigate to the Friends tab and tap Settle Up on the debt you wish to settle.

Step 2: On the Settle Up screen, tap Settle with PayPal to select this settlement method.

Step 3: Review the settlement amount details to ensure they are accurate. Then, tap Request PayPal Payment.

Once you request a PayPal payment, Lndr notifies your friend that you wish to settle up. From here, you can tap Done to return to the home tab. At any time you can review your pending requests by visiting the Activity tab.

How to Transfer Ether (ETH) Into and Out of Lndr

As mentioned earlier, Lndr also allows you to settle debts with cryptocurrencies. Lndr has built-in wallet functionality, which stores cryptocurrencies for later use. But before you can settle up, you will first have to transfer them into Lndr.

As of the time of this writing, Lndr supports Ether (ETH) for settlement. Let’s review how to transfer Ether into and out of Lndr.

How to transfer Ether into Lndr

Step 1: Open Lndr and tap the Settings icon (the gear) at the top of the screen. Scroll down to ETH (& BCPT) Address and tap to open it.

Step 2: Tap the wallet address to select it, and copy it to your clipboard. You will need to use this address later. NOTE: you must copy this address EXACTLY, or your transaction may fail!

Step 3: Transfer Ether from another wallet or your cryptocurrency exchange to your Lndr address.

That’s it. Once you have transferred your Ether into Lndr, you can use it for settlement purposes.

How to transfer Ether out of Lndr

You may also want to transfer Ether out of Lndr to other wallets. Please note that unless you unlock higher settlement limits, you can only transfer $200 worth of Ether per week.

Step 1: Open Lndr and tap the Settings icon (the gear) at the top of the screen. Scroll down to ETH Balance and tap to open it. Then tap Transfer ETH.

Step 2: Enter the amount of Ether that you wish to transfer out of Lndr. Then, enter the wallet address where you want to transfer it to. As before, ensure that you enter the address EXACTLY. If you make a mistake, your transfer may go to someone else!

After the blockchain confirms the transfer, the Ether will appear in your destination wallet.

How to Restore Your Lndr Account If You Lose Your Phone

The final section of our guide will show you how to restore your Lndr account. This can be helpful if you lose, upgrade or otherwise change your mobile phone. Keep in mind that when you first installed Lndr, you didn’t create a login or password. Instead, a 12-word recovery mnemonic was displayed which you should have copied to a safe place.

If you didn’t copy that key, or you have misplaced it, don’t worry. Let’s review how to get your mnemonic and how to recover your Lndr account with it.

Step 1: Open Lndr and tap the Settings icon (the gear) at the top of the screen. Scroll down to Mnemonic and tap to open it. Then tap Show 12-Word Mnemonic.

Step 2: Confirm your Lndr account PIN to display the mnemonic.

Step 3: Now, your 12-word mnemonic should be visible. You can select to copy this phrase and paste it into your notes or somewhere safe. Wherever you decide to store it, be sure that you can access it if you lose your phone!

Step 4: When setting up Lndr for the first time on a new device, you can restore your account. Tap Restore Account on the Lndr login screen. You can then paste or type in your 12-word mnemonic to restore your account. You will need to create a new PIN code as well.

That wraps up our Advanced Guide to Using Lndr! You have learned how to add friends and family, track a new debt or IOU, connect and settle up with PayPal, transfer Ether in and out, and restore your account.

Be sure to check out the Settings tab as other features are waiting to be explored. And don’t forget to share your feedback with us. We’re excited to hear how you are using Lndr to split bills, share expenses and settle debts with friends and family!