Legal analysis: The IOUs played by WeChat have the same legal effect. As long as the IOUs are standardized and complete, they are protected by law. IOUs generally consist of three parts: title, text and signature: (1) title. The title of IOU is generally composed of language names, that is, the word "IOU" is written in large font at the top and middle of the text. (2) the text. The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date. (3) signature. Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals.

Legal basis: Article 668 of the Civil Law of People's Republic of China (PRC) shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.