Why OWEHow it worksTrustFAQ
Money between people, made clear.

Lending money is easy.
Getting it back gets awkward.

OWE turns “I’ll pay you back” into a shared plan both people can see — with clear terms, due dates, proof and confirmation on both sides.

See it work ▶
✓ 0% personal agreements✓ Both people approve✓ OWE never holds your money
✓
Both signedTerms locked in
9:41● ◔
OWE◯
Good morning, John
Here’s what’s happening
You’re owed$1,200Across 2 agreements
Active agreements
M
Mike$1,200 remaining of $2,000
Next payment: $200 on Sep 1
40%
S
Sarah$300 remaining of $500
Next payment: $100 on Sep 10
⌂Home▤Agreements+⌁Activity○Profile
↗
$200 confirmedBalance updated
The problem is not lending.

It’s remembering what
everyone agreed to.

Mikehey — could you spot me $2k for the car? i’ll do $200 every month
Youyeah no problem 👍
THREE MONTHS LATER
Youhey, do you remember how much is left?
MikeI thought I sent $400 last month?

There has to be a better way.

THERE IS.

One shared truth.
No awkward math.

Both people see the same amount, the same schedule, the same proof and the same confirmed payment history.

ACTIVE AGREEMENT

Mike owes you

● On time
$1,200 remaining
$800 repaid40%
NEXT PAYMENT$200 · Sep 1
ORIGINAL$2,000
✓ Signed agreement✓ Funding confirmed✓ Payments confirmed by both
SEE OWE IN ACTION

From “I’ll pay you back”
to an actual plan.

Walk through a high-fidelity OWE agreement — from choosing the terms to signed funding proof, confirmed repayments and a shared audit trail.

01 / 08

Create the plan.

John sets $2,000 with ten $200 monthly payments. Mike can review every term before agreeing.

Nothing is active yet
JOHNLender
9:41● ◔
→
MIKEBorrower
9:41● ◔
THE BEST PART

You don’t have to ask.
OWE does.

No awkward “hey, payment’s due” text. OWE keeps dates visible and handles the neutral reminder.

O
OWEnow

Mike, your $200 payment to John is due tomorrow.

O
OWE2m ago

John, Mike recorded a $200 payment via Zelle.

Confirm received →
NO NEW WAY TO PAY

Keep paying however
you already pay.

OWE doesn’t need to touch the money. Record how it was sent, attach proof, and let the other person confirm receipt.

ZelleVenmoCash AppBankCheckCash
SHARED BY DESIGN

Both sides see
the same thing.

A clear shared record means less confusion, fewer uncomfortable conversations, and no “he said, she said.”

J
John seesLender
  • Original amount $2,000
  • Amount repaid $800
  • Remaining $1,200
  • Next payment Sep 1
  • Signed agreement ✓
=
M
Mike seesBorrower
  • Original amount $2,000
  • Amount repaid $800
  • Remaining $1,200
  • Next payment Sep 1
  • Signed agreement ✓
“

Some loans are more
than transactions.

OWE keeps the money organized so the relationship doesn’t have to revolve around it.

M
MomCar agreement
● On time
$5,600 remaining of $8,000
Next payment $400 · Sep 15
EVERYTHING YOU NEED. NOTHING YOU DON’T.
Agree.Sign.Confirm.Track.Remind.Finish.
QUESTIONS

Simple by
design.

Does OWE lend the money?

No. OWE is designed as an agreement and recordkeeping layer for people who already decided to lend each other money.

Does OWE hold or transfer my money?

Not in this initial product concept. You keep using the payment method you already use, then record and confirm it inside OWE.

What happens when someone sends a payment?

The sender records the amount, method and optional proof. The recipient confirms receipt. Only then does the shared confirmed balance update.

Is an OWE agreement legally binding?

OWE is being designed to create clear signed records, but enforceability depends on the agreement, jurisdiction and facts. Agreement templates and claims will require legal review before launch.

Friends shouldn’t need to
become debt collectors.

Put the plan in OWE. Keep the relationship out of it.