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).