Write an I.O.U. now.
I.O.U. Notes™ turns a paper promissory note into a digital instrument. Fill it in, sign in, and it's issued, ready to transfer.
No credit card · No account setup · No paperwork · No fee
Making, transferring, and discharging notes is free — and always will be.
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Does this sound familiar?
Are you losing trade deals with sellers who require payment in advance, but you cannot afford the risk or don't have the cash yet?
Give the seller an electronic promise to pay they can trade on our Notes Marketplace™.
Are you turning away customers because they cannot pay you until after they receive the goods?
You can accept an I.O.U. Note™ signed by the importer, and shop it to multiple bidders on the Notes Marketplace™.
Are you owed money by debtors who are harder to collect from than you would like?
Don't sell the debt: keep it and let a more preferred debtor take it over.
Would you like to make extra money from your outstanding credit rating?
Select from offers from creditors to replace bad debtors at a discount, and negotiate a split of that discount with the debtors.
Do you have cash you would lend for 30 to 180 days if you could choose from a marketplace of borrowers and returns?
Shop for signed promises to pay, signed by different debtors with different maturities, and negotiate discounts with the creditors who want to sell them.
Would you like to leverage your international credit to make money by guaranteeing trade importers?
You can earn money from international importers who are losing deals because they lack your international credibility.
Do you resolve commercial payment disputes and want more cases?
International importers and exporters need impartial adjudicators to review the evidence and make fair decisions about trade payment and document disagreements.
Are you a trade finance provider who would earn more if the notes and bills in your packages were worth more to your funders?
Replace the paper notes and bills in your packages with digital assets that are liquid, divisible, and secured against fraud.