The eIOU protocol is designed for everyone - from individuals to businesses of all sizes. We believe in financial inclusion and accessibility, making our platform available to anyone who needs to transfer value securely and efficiently.

Unbanked and Underbanked

For the millions of people without access to traditional banking services, eIOU provides a secure way to store and transfer value. No bank account required - just a smartphone and internet connection to participate in the global economy.

International Users

Our platform is particularly valuable for:

• Migrant workers sending remittances to their families back home
• International businesses managing cross-border transactions
• Travelers and expatriates needing local currency exchange
• Anyone making international payments without traditional banking infrastructure

Those Affected by High Fees

Traditional financial systems often charge exorbitant fees for basic services. eIOU helps:

• Small businesses avoiding high payment processing fees
• Individuals sending money internationally without expensive wire transfer fees
• Freelancers and remote workers receiving payments without hefty currency conversion charges
• Anyone looking to reduce their transaction costs while maintaining security