IOU Wallet
Keep track of what you owe and are owed
IOU Wallet launched on January 19, 2026.
What it does
At its core, an IOU Wallet records who owes what to whom, under which conditions, and when the obligation is considered settled. Both parties acknowledge the IOU through a simple virtual handshake, and once settlement is confirmed a closing handshake settles the obligation.
Life is built on lightweight agreements and promises. IOU Wallet creates a shared, mutually agreed digital record that stays active until the agreement is settled.
IOU Wallet is a platform for Digital Handshake Agreements: shared digital records for everyday agreements and promises that stay active until settled. Use IOU Wallet for money, items, services, favours, commitments, and other everyday promises. Each agreement creates a clear mutual record that both people can acknowledge and settle. Life is built on lightweight agreements and promises. Too often those promises live only in memory, which can lead to friction and misunderstandings. IOU Wallet creates a shared, mutually agreed digital record that stays active until the agreement is settled. Digital Handshake Agreements can cover money, items, services, favours, commitments, and immaterial…from iou-wallet.com
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