After the spend
Travel
Flights, hotels, group dinners
~$1,200between 4 · up to $1.20 in fees
The shared account for
More groups than there are people. None has an account.Spliz gives each one a real one: settled at once, in USDC, across borders, with nobody chasing.
SPLIZConfirming
Tulum weekend
Total expensesYou receive 30.00 USDC
480.00USDC
LiamSigned
NinaSigned
KevSignedYYoumeNot signed
3/4 signatures
*Network fees covered by Spliz. 0.1% all-in fee, $0.10 minimum
0%
Consensus to settle
Anyone can verify
~0s
To settle the whole group
$0
Network fees for you
Spliz pays them
0.0%
Settlement fee
$0.10 minimum
Everyone has an account.
No group does.
Built on
THE GROUP'S ACCOUNT
- Done
- In progress
- Coming soon
Before, during, after.
One balance.
Spliz settles the after today. The pot and the card are on the roadmap.
01 · After the spendLive
Spliz
The all-or-nothing settlement.
Everyone pays on their own, then it all clears at once. No one chases, no one carries the group.
Settled in one transaction, USDC on Base.
Learn moreSee examples02 · Before the spendNext up
Pot
Money up front, on the group's rules.
The group funds a shared pot. The money lives there, and the group sets its rules.
An account that belongs to the group, not one person.
Learn moreSee examples03 · During the spendLater
Card
The bill splits itself the second you pay.
The group card. You tap, and the spend is split across members at the moment of payment.
The group spends, the bill splits itself.
Learn moreSee examplesThe difference comes down to one thing: where the money sits at the moment of the spend.
One group, three moments, one balance.
One card, three connections
The card never changes. The reservoir it draws from does.
- Your account
The personal card debits your balance. Your money, your spending.
ALWAYS - The pot
The pot card draws from the money set aside together. The pot's rules apply.
BEFORE - The split across members
The Split card divides at the moment of payment: everyone is debited their share.
DURING
The pot card and the Split card are the same card with two connections: one draws from what was set aside before, the other splits during.
WHO IT'S FOR
Every group's account
Travel, flatshare, couple, night out: each one gets its own, at every moment of a spend.
Before the spend
Roommates
Rent, groceries, subscriptions
~$450/mobetween 3 · up to $0.45 in fees
During the spend
Night out
Drinks, food, rides home
~$150between 5 · up to $0.15 in fees
After the spend
Restaurant
Split the bill, tip included
~$80between 4 · $0.10 fee (min)
Before the spend
Couple
Daily expenses, vacations
~$600/mobetween 2 · up to $0.60 in fees
After the spend
Event
Birthday, group gift, tickets
~$300between 6 · up to $0.30 in fees
After is live today. Before (Pot) and During (Card) are on the roadmap.
THE MECHANISM
All settle at once.
Or none do.
This is called atomic settlement: one transaction pays every balance in the group. If a single signature is missing, nothing moves. That’s why nobody has to chase.
Everyone paid at once
One transaction, every balance in the group. While a signature is missing, nothing leaves. When the last one lands, it all ships in the same block.
USDC + the settlement contract on Base
USDC is pegged to the dollar, so the amount doesn’t drift. Settlement runs through the contract on Base: Spliz never touches your funds, it transfers straight between wallets. No one can undo it. Network fees? We pay them.
No one chases
Nobody carries the group for weeks. The settlement lands for everyone at the same instant.
DONE
You stop being the bank.
Count every cent
Spliz splits to the cent. Totals always land clean. Nobody pulls out a calculator over $1.20.
Always front the bill
No more fronting for weeks, no more “I owe you”. Everyone signs, everyone pays their share, at the same instant.
Chase (or get chased)
Nobody chases anyone. Once everyone has signed, it all goes in one transaction.
Keep the running tab
No admin, no running tab in your notes. The group has its balance, and anyone can check it.
TRANSPARENCY
What it really
costs.
0.1% on what actually moves, $0.10 minimum. We bundle transfers to shrink the volume: fewer payments, lower fees. You see the exact number before you sign.
- No subscription required
- No hidden fees
- Zero Spliz withdrawal fees
Spliz settlement
0.1%*
in Spliz fees, all-in
On $1,000 split between 4 friends
that's $0.25
See transfer breakdown
- LéaKev$150
- NinaLiam$100
* $0.10 minimum per settlement
TRUST & SECURITY
Your wallet stays yours
Your funds, your wallet
Spliz never holds nor accesses your funds. The contract on Base transfers directly between member wallets.
Wallet secured by Privy
Connected via Google or Apple? Your wallet is created and protected by Privy (encrypted key). Using your own wallet (MetaMask, Coinbase Wallet…)? You keep direct control.
USDC by Circle
Settlements use USDC, a stablecoin pegged 1:1 to the US dollar, backed by cash reserves.
Built on Base
Base is a fast network built by Coinbase. Transactions confirm in ~2 seconds.
100% consensus
No one can be charged without their explicit signature. Every member must approve.
No personal data
No email, no phone, no legal name on our servers: sign-in details live with Privy, our auth provider. Your identity in Spliz is your wallet and a nickname you choose.
Community
Come hang. Break things. Tell us what's missing.
We build Spliz in the open. We’re small and we read everything.
FAQ
Common
questions
It’s the bill arriving and nobody reaching for it. It’s the friend you have to remind two weeks later about a $12 transfer. It’s you not daring to ask for your share. Spliz removes that moment: everyone signs, everyone pays at the same time, nobody runs after their money.
A settlement where every payment happens in one transaction, or none do. As long as one signature is missing, nothing moves. Once everyone signs, it all goes at once, in USDC, on Base. You don’t need to trust anyone to pay: the contract handles the settlement.
Other apps stop at the calculation. Spliz signs and pays. One transaction, every balance moves, every share lands in the right wallet. No follow-up needed.
You receive an invitation link by message. Tap it, the app opens, and you join the group in one tap. First time? The link takes you to the store to download Spliz.
No. Sign in with Google or Apple and your wallet is created on the spot. Already have one? Connect it.
Spliz takes 0.1% on settlement, $0.10 minimum. Everything else costs nothing: no subscription, no hidden fee. Network fees, we pay. You see the exact number before you sign. For a $100 dinner split 4 ways: about $0.03 per person. Buying or withdrawing USDC goes through a partner, which applies its own fees; Spliz adds nothing on top. And Premium? An optional plan coming after launch (deeper history, advanced modes). Settling never requires it; the launch offer simply gives you 3 months of it.
Each member reviews the expenses and signs when they want. As long as one signature is missing, nothing moves. On the last one, everything settles at once.
Your wallet is protected by Privy (encrypted key). Settlements run through the contract on Base: Spliz never holds your funds, and every transaction is readable on Base.
Your recovery key is a long code (a private key) that proves your wallet is yours. Spliz doesn't store it: it lives only on your device and on the secure spliz.app/export-wallet page when you choose to export it. Save it somewhere safe (password manager, iCloud Keychain, paper in a safe). It's what lets you recover your funds even if you lose your phone or change sign-in methods.
As long as you've backed up your recovery key, your funds are yours. You import the key into MetaMask, Rainbow, or any Base-compatible wallet, and regain access. If you have NOT backed up your key and you lose all your sign-in methods (Apple, Google, email…), your funds are permanently lost. Spliz can't restore them for you.
No. Apple, Google and email are 3 ways to open the SAME wallet, not 3 different wallets. If you lose access to all these methods at once (phone stolen + email compromised, for instance), you lose access to your wallet, unless you've backed up your recovery key. Linking multiple methods protects against losing ONE method; backing up your key protects against EVERYTHING.
A stablecoin issued by Circle, pegged 1:1 to the US dollar and backed by cash reserves. 1 USDC = $1, that’s it.
You can transfer USDC from any wallet or exchange like Coinbase. In-app purchase options via partner services are coming soon.
Your next dinner,
settled before dessert.
Try it. Add three friends. See for yourself.