OIOI - Own it or Owe it

OIOI is a social challenge app that helps you and your friends stick to goals — because failing actually costs you.

Create or join group challenges like:

-Walk 10,000 steps a day -Go to the gym 3x a week -No takeaways for a month -Dry January (or mostly dry…)

Miss the goal? You pay the agreed forfeit. Simple.

How it works

-Create a group challenge Set the rules, duration, and forfeit amount.

-Invite friends Everyone’s progress is visible — no hiding.

-Track & submit proof Log activity, upload proof, and stay accountable.

-Miss it? Pay the forfeit Cash, transfer, pot payment, — whatever your group agrees.

Win together Complete the challenge and keep your money (and pride).