Commerce · alternatives · 2026

24 alternatives to Virtual IOU

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Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Virtual IOU launched in 2017; newer entries below may have overtaken it.

1. 1IS
   IOU – Split shared expenses▲82

   2019 · iou.ch · its alternatives →

2. 2
   Giftl.io▲81

   Gifting made simple

   2023 · giftl.io · its alternatives →

3. 3
   Virtuali▲164

   Meet people, create an avatar & experience a virtual world

   2021 · its alternatives →

4. 4
   DreamGift▲153

   Find the perfect gift for every person and occasion with AI

   2023 · dreamgift.ai · its alternatives →

5. 5NC
   nvlope.com, your mailbox with an API▲65

   Send and receive cash gifts with digital greeting cards and event-based gift registries. The modern way to celebrate together.

   2013 · nvlope.com · its alternatives →

6. 6
   IOU▲78

   A super simple way to split bills

   2019 · iou.ch · its alternatives →

7. 7
   MonAi▲100

   AI powered expense tracker

   2023 · get-monai.app · its alternatives →

8. 8
   Token for Web▲115

   Your professional gifting assistant

   2017 · token.ai · its alternatives →

9. 9
   Google One Today▲91

   Create a culture of giving every day.

   2014 · onetoday.google.com · its alternatives →

10. 10
    IOU-Money▲65

    Manage and explore your debit and credit transaction flow

    2021 · apps.apple.com · its alternatives →

11. 11
    EtherTulips▲78

    Tradable virtual tulips on the Ethereum Blockchain

    2018 · ethertulips.com · its alternatives →

12. 12
    BlueQ▲71

    Instant world changing gifts everybody loves

    2020 · giveblueq.com · its alternatives →

13. 13
    Ethercard▲116

    Send ether gift cards this Christmas 🎅 and New Year 🎉

    2017 · its alternatives →

14. 14
    Gift Matchr▲81

    Your personal AI gift recommendation assistant

    2023 · its alternatives →

15. 15
    GiftHub▲128

    Headache-free gift-picking, powered by AI

    2019 · gifthub.world · its alternatives →

16. 16
    GiftChat▲108

    Use AI recommended gift

    2023 · its alternatives →

17. 17
    Joy▲72

    Personal gifting assistant for life’s important moments

    2017 · messenger.com · its alternatives →

18. 18
    Hinsty▲73

    Send the perfect gift.

    2016 · its alternatives →

19. 19ED
    Each day is a gift▲31

    2012 · eachdayisagift.com · its alternatives →

20. 20
    MadeClose Gifting Platform▲60

    Redefining the gifting experience

    2016 · its alternatives →

21. 21
    Gifty.Love▲7

    Always give the perfect gift

    2025 · its alternatives →

22. 22
    IOweU▲3

    Track who owes what — money, items, favors. Free

    Jul 2026 · iou.2genio.us · its alternatives →

23. 23
    LoveYuu▲20

    Hey HN, A couple of years ago, I was low on cash but wanted to surprise my girlfriend (now wife) with something special using my programming skills. I built a relationship timer web page! It features a real-time relationship counter (e.g., together for 2 years, 3 months, 5 days...), photos of the couple, and a heartfelt message. I launched this project on TikTok, and it blew up, amassing nearly 1 million views. The response has been incredible! Now, I'm sharing this with everyone here on Hacker News as well. If you're interested, you can check out the site and create your own relationship…

    2025 · loveyuu.com · its alternatives →

24. 24
    igifts.online▲9

    Gifts List Manager

    2025 · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →