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.
Both people see the same amount, the same schedule, the same proof and the same confirmed payment history.
Walk through a high-fidelity OWE agreement — from choosing the terms to signed funding proof, confirmed repayments and a shared audit trail.
John sets $2,000 with ten $200 monthly payments. Mike can review every term before agreeing.
No awkward “hey, payment’s due” text. OWE keeps dates visible and handles the neutral reminder.
Mike, your $200 payment to John is due tomorrow.
John, Mike recorded a $200 payment via Zelle.
Confirm received →OWE doesn’t need to touch the money. Record how it was sent, attach proof, and let the other person confirm receipt.
A clear shared record means less confusion, fewer uncomfortable conversations, and no “he said, she said.”
OWE keeps the money organized so the relationship doesn’t have to revolve around it.
Use OWE for a simple personal agreement, add a verified documentation layer when the amount matters more, or run ongoing contracts and collect payments for a business or property.
Everything needed to turn a verbal promise into one clear shared plan.
For the moment when “we both remember it” is not enough.
Create recurring agreements, collect payments directly through OWE, and keep both sides synced from invoice to confirmation.
*Business payment pricing shown is the intended product model and may change before launch. Payment processing, product availability, and contract features are subject to final provider and legal implementation.
No. OWE is designed as an agreement and recordkeeping layer for people who already decided to lend each other money.
Not in this initial product concept. You keep using the payment method you already use, then record and confirm it inside OWE.
The sender records the amount, method and optional proof. The recipient confirms receipt. Only then does the shared confirmed balance update.
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.
Put the plan in OWE. Keep the relationship out of it.