IOU vs Ngumba

IOU helps you create clear, professional agreements and keep payments on schedule, without the back‑and‑forth. Draft with AI in chat or voice using ready‑made templates, then e‑sign, export to PDF, and manage invoices, due dates, and reminders in one place. Powerful search, dispute tracking, and a built‑in assistant keep everything organized, with secure sign‑in via Apple or Google. Terms of Use: https://ioumarker.com/legal#terms Privacy Policy: https://ioumarker.com/legal#privacy Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ngumba does the things people go to a business centre for. Scan a page with your phone and get a clean, straight document — not a photograph of paper. Make it small enough for a portal that keeps rejecting it. Write an invoice and send it in under a minute. Sign a contract without printing it. Put several documents into one PDF for an application. Everything you make is kept, named, and searchable by what the pages actually said — so the second time somebody asks for your documents, it costs nothing. There is no account. There is no sign-up, no email to confirm, no subscription, and no free trial that ends. Open it and it works. Your documents stay on your phone. Not "encrypted in the cloud" — there are no servers. When you send something it goes wherever you sent it, the same way a photograph does. Turn on flight mode and everything except sending still works. WHAT IT DOES • Scan — a page, a receipt, a passport. Straightened, cleaned, readable. • Fix — make a document small enough to send. Combine several into one. Take pages out. • Invoice — quotes, invoices and receipts, with your logo, your terms and your tax. One document that renames itself as the work moves. • Owed — who has not paid you, and what is late. • Sign — draw your signature once, then put it on anything. • Keep — everything filed by itself, searchable, and warned about before it expires. Free for the everyday things, because the tools already exist and are simply not in most people's hands.