The idea is simple: IOU Wallet helps you keep track of everyday peer-to-peer obligations. It is designed for real-world situations where something is borrowed, a service is provided, or money is owed, and both sides want clarity without relying on formal contracts. IOU Wallet offers various options to agree for the outstanding IOU Basic example A friend borrows your book. You create an IOU that records the "terms" such as return date. Your friend accepts it. When the book is returned, settlement is initiated and confirmed and the IOU is completed. With a rate You lend a camera for a week. A small daily rental rate is agreed. The rate accrues over time, starting either when the IOU is accepted or after the agreed return date. With late fees You can add a late fee so additional charges apply if settlement happens later than agreed. With redemption You lend equipment that may not be returned. Instead of returning the item, the borrower can settle the IOU by paying an agreed redemption value. If a rate applies, it is added on top of that value. Settlement Non-custodial, on/off-platform settlement options for financial obligations in Fiat and Crypto. You owe a friend $10. record on IOU Wallet and settle in $ or crypto.

IOU Wallet

Keep track of what you owe and are owed

Keep track of what you owe and are owed