Beta · All features free during beta

UD Debt Acknowledgment

FREE · 3/MONTH

Create a tamper-evident debt acknowledgment between two parties. Cannot be altered after sealing. The IOU that actually holds up — with cryptographic timestamp proving when it was agreed.

Parties

Debtor Name *

Creditor Name *

Debtor Address

Creditor Address

Debt Details

Amount *

Currency

Original Date

Description (what is owed for)

Repayment Terms

Repayment Schedule

Interest Rate (% per annum)

Full Repayment Deadline

Default Terms

How UD Debt Acknowledgment differs from an informal IOU or text message

Legally structured

A .uds debt acknowledgment follows a proper legal structure: parties, amount, description, repayment terms, default. Unlike "I owe you £500" in a text.

Tamper-evident

Neither party can alter the agreed amount or terms after sealing. "I don't remember agreeing to that interest rate" disputes are resolved by verifying the hash.

Cryptographic timestamp

The acknowledgment date is sealed. Cannot be backdated to before a dispute arose.

Enforceable starting point

A signed, dated, sealed debt acknowledgment is far stronger evidence in a small claims court than WhatsApp messages.