My boyfriend wrote me an IOU of 654.38 million, promising that I would come to me. If he doesn't come, give me 654.38+ ten thousand. If he does, he will return the IOUs.

1. The IOU is of course valid, but assuming that, as you said, the IOU is just a promise written by your boyfriend and there is no loan relationship, the court will dismiss the lawsuit after finding out the facts; Private lending is a practical contract, and the loan contract takes effect when the loan is delivered.

2. However, IOUs are highly probative evidence of the relationship between creditor's rights and debts. If the other party can't provide evidence, or you don't admit it, the court may rule in your favor under the rules of evidence. This is the difference between objective facts and legally recognized facts limited by evidence rules.