How to use Alipay IOU:

1. First, we open the phone, find the Alipay icon, and then click on it.

2. After entering Alipay, we click on the dialog box of any friend, and then click on the plus sign in the lower right corner.

3. In the pop-up options, select "IOU" in the lower left corner.

4. Then enter the amount to be borrowed and select "OK" in the lower left corner of the pop-up dialog box.