IOU
Every IOU,
never forgotten.
A private ledger for money you lend and borrow — kept entirely on your own phone, with nothing sent to a server.
Coming soon to Android & iOS
2 Overdue
Needs a nudge
Dashboard
Lent$1,240
Borrowed$380
Rahim
Due in 3 days
$150
Karim
Overdue
$60
Nadia
Settled
$500
Rahim
Lent · Due in 3 days
$150
Outstanding
Repaid$50
Repaid$50
Lent$250
100% Offline
No account, no cloud
Built for trust,
not tracking.
100%
On-device — your ledger never leaves your phone
$0
No subscriptions, no server, no data broker
Immutable
Every repayment is permanent — none can be edited away