The Ledger: Friend IOUs

A friendly tab for the IOUs that pile up on group trips.

Whether it's the loser-buys-dinner round of golf, the closest-to-the-pin contest, or the bunk-room rotation, The Ledger helps your group keep score on the road. Record IOUs as they happen, decide
the outcome together, and settle up with one tap to Venmo.

KEY FEATURES
• Trips for your group, events for each round, day, or activity • Either party records an IOU; the other verifies with one tap
• Outcomes resolve automatically when the event is decided • Smart settle-up math finds the fewest transfers to square everyone
• Tap-to-pay Venmo deep-links — The Ledger never holds or moves money
• Sign in with Apple or Google
• "View Demo as Guest" to explore the app without an account
• Delete your account from inside the app at any time

WHY THE LEDGER
No spreadsheets. No mental math at the airport. Just a clean paper-style ledger that everyone in the group can read.

HOW SETTLEMENT WORKS
The Ledger never holds, transfers, or facilitates money. The app records an IOU between you and a friend, calculates who owes what at the end of a trip, and opens your existing Venmo app to send
payment. Money moves through Venmo, not The Ledger.

PRIVACY
We don't track you across other apps. We don't use third-party analytics SDKs. Full policy: pineconesoftware.dev/privacy/the-ledger