Write an I.O.U. now.
I.O.U. Notes™ turns a paper promissory note into a digital instrument — fill it in, sign in, and it's issued, ready to transfer.
No credit card · No account setup · No paperwork · No fee
Always free
Making, transferring, and discharging notes is free — and always will be.
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01
Write it here
Amount, currency, maturity, and who it's for — a complete note in five fields.
02
Sign in to issue
Confirm with your email — the note is issued to the creditor as a digital instrument.
03
Transfer or discharge
In the app, endorse and transfer notes you hold, or mark them discharged when paid.