Who with
A tally runs between two people. Pick someone you already keep one with, or paste the identifier they gave you and say what you call them. That name stays on this phone; nobody else sees it.
Where you stand
The balance, read against the line you both agreed. Every figure here comes from an entry you both signed; drafts count for nothing.
Everything between you
Write one down
Three short steps, then your signature. It stays a draft, counting for nothing, until the other person signs it too.
Your credit line
A ceiling on what either of you can end up owing the other. One of you offers a figure; it binds nobody until the other signs it.
Everyone, one at a time
Sealed statements
A dispute is opened from the entry it concerns, above. The statement in it is sealed so only the other person can read it — and to read one sealed to you, you need a sealing key of your own.
Your sealing key lives in this page's memory for this sitting only; its private half never leaves this device.
Take it with you
Everything works with no network. A bundle is a file you can carry however you like; the device that reads it checks every signature for itself.
"Export everything" is your whole record — your events and your own names for people — as one file. No keys are ever in it.
Different apps. One ecosystem. Owned by none.