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3. Poker pot paper, perhaps

Alternative clues for the word iou

• Piece of paper you wouldn't need if both people had Venmo
• Note from someone shy?
• Obligation of a sort
• Note to a creditor
• Kitty paper
• Slip for chips, maybe
• Gambling debt, slangily
• Creditor's holding
• Repayment pledge
• An informal debt instrument