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How is IOU Notes different
from Credit Cards?


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In this episode of Money Creation Explained, we are going to cover How is IOU Notes different from Credit Cards?

IOU Notes work differently from credit cards in the following manner: Banks or Credit Card companies extend a credit limit to a user (for example $1,000) and that user can spend the funds anywhere that card is accepted. User makes a purchase at a business (for example spends $250) and then another business in same day ($125) and takes possession of bought item or service from those businesses. The Bank or Credit Card company gets details of transactions and send funds to those businesses.

IOU Notes allows users to request or offer credit and/or loans directly to one another and function as the bank or credit card company. These companies extending the credit to other users decide the details. If they are extending credit to that other user, if so how much, and if there is a term length that it must be paid back by, and if any interest will be charged passed the 30 days mark, and if so how much. Since they are extending credit directly to others, the user who receives the credit can purchase goods and services offered by that business.

Payments are made directly through the IOU Notes platform instead of paying one entity who then in turn pays all the vendors like traditional credit cards work. Users can also request an increase in credit from others they are working with on the platform. The IOU Notes platform does have an easy option that users can pay all others who they owe funds to in one transaction, or partially pay, or decide which users to pay.

IOU Notes is a peer-to-peer credit and loan platform.

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