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The "I Owe You Money" app helps users manage their financial transactions by keeping track of loans and debts. Users can record both lenders and borrowers after each transaction and can effectively clear their debts with small payments. The app features a comprehensive insight system for ongoing financial awareness, supports debit and credit transactions, provides easy credit clearance, and offers multiple currency options. Additionally, it includes an analysis of user activities and allows tracking of income and expenses as a bonus. Users can sign up at ioumoney.app.