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- An easy and secure way for one person to make a payment and be reimbursed by other members of the group
- A way for a user to remind people that owe them
People who need to pay back afterwards
- An easy and secure way for a person to allow someone to make a payment and either deduct the money he owes from his or her account, or to create an IOU virtual receipt
- A way to keep track of payments and debts