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What are IOU Notes?


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IOU is an acronym for "I Owe You", which is a verbal or written agreement between two parties that acknowledges debt between them. The term “Notes” is based on the concept of paper money or other type of promissory note that equals the legal monetary value of that note.

IOU Notes takes the concept of the informal pay later and borrowing method of IOU's, and turns it into a formal method that is a safe, easy, and powerful form of currency. It is available to everyone through our peer-to-peer patent pending platform. Users can securely and easily setup and track transactions, establish repayment terms of choice (30 days - 24 months), and (0% - 5% interest) and other related functions.

IOU Notes is not based on a person's traditional credit score (FICO), but rather on their IOU Credit Report and their ability to pay others back. Every user on the IOU Notes platform can decide if they want to be a borrower or a lender to others or both. The IOU Notes platform was created to put the power in the hands of the people. You decide who to give credit and/or lend to, how much and the terms.

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