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).