Quoting%20commentary for Ketubot 174:7

לא מיבעיא קאמר לא מיבעיא בעדים דודאי צריכה שבועה אבל שלא בעדים אימא תיהוי כמשיב אבידה ותשקול בלא שבועה קמ"ל

This is a case of “it did not even need to say.” It did not need to say that [when he paid the first installment] in the presence of witnesses she must take an oath; when, however, [he paid it] in the absence of witnesses, it might be assumed that she is like one who returns a lost object [to its owner] and should receive payment without taking an oath. It was, therefore, taught [that the oath is nevertheless not to be dispensed with].

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