When lending money to a friend, note "Loan" in the transfer memo—it's more effective than creating an IOU afterward. For cash payments, try switching to a bank transfer. If cash is unavoidable, have the recipient specify the amount, date, and purpose on the receipt, and keep a copy of their ID.

Shen Li
Profession10YearVerifiedGuangzhouCurrently Online
Contract disputes: Start with fund flows and performance evidence.
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