Pay down an agreement
The person who is owed creates an agreement. The original amount never goes up. Later debts are a new part. Both sides see the same log.
DEMO
Sample agreement
Not a real debt. Original $2,000.00.
New agreement
You will get a payee link (keep it) and a payer link (share it). This does not connect a bank.
Ledger only. Card and bank payments are not connected. Nothing here moves money.