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foreign [Music] creation explained were going to cover what are IOU notes IOU is an acronym for IOU which is a verbal or written agreement between two parties that acknowledges debt between them the term notes is based on the concept of paper money or other types of promissory notes that equal the legal monetary value of that note IOU notes take the concept of this informal pay later in borrowing method of ious and turns it into a formal method that is a safe easy and Powerful form of currency it is available to everyone through our peer-to-peer patent-pending platform users can securely and easily set up and track transactions establish repayment terms of choice 30 days to 24 months and zero percent to five percent interest and other related functions IOU notes is not based on a persons traditional credit score FICO but rather on their IOU credit report and their ability to pay others back every user on the IOU notes platform can decide if they want to be a borrower or a lender to o
