If you sign an iou but don't identify yourself, there is evidence to infer your identity, so it doesn't matter much. An IOU usually contains three identities: borrower, lender and guarantor, and its legal responsibilities are also quite different. If identity cannot be inferred, the rights and obligations of all parties may be affected.

legal ground

Article 668 of the Civil Code

A loan contract 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.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.