IOU.fi is a decentralized platform for creating, funding, and managing on-chain, tokenized loans. Each IOU represents a fraction of a loan, letting lenders and borrowers interact transparently and without needing to trust a middleman.
Fund loans and receive IOU tokens representing your share. Interest accrues automatically, and repayments are handled transparently on-chain.
Deploy loan contracts with custom terms, access capital from multiple lenders, and manage repayments at your own pace.
If you lend $1,000 to a loan with a 5% annual rate, you'll receive IOU tokens representing your share. As the borrower repays, you can claim your principal plus interest, or redeem your IOUs for immediate liquidity.
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