Money should feel social

You booked the apartment, your friend covered the groceries, someone else got the taxi. The weekend was shared. The money was not: it left one account at a time and came back one awkward message at a time. Money is the last part of group life that still behaves like everyone is alone.

What does it mean for money to feel social?

It means the money follows the group instead of following whoever happened to pay. A shared expense has a shape that a single account cannot hold: several people, several moments, one outcome everybody has to agree on.

Three things make it feel social rather than administrative. Everyone sees the same list, so no one has to be told. Everyone has one number, their net balance, instead of a web of small debts. And the group finishes together, at one moment, rather than trickling through transfers for a month.

The three moments of a shared expense

Every group expense sits somewhere on the same timeline: before the spend, during it, after it. The difference between products is which moment they serve.

• After. Somebody pays, the group records it, and the balance is settled later. This is what Spliz does today.
• Before. The group puts money aside first, then spends from it. This is the shared pot, a concept on our roadmap.
• During. The split happens at the moment of payment, at the till. This is the shared card, also a roadmap concept.

Only the first one exists in the app you can install right now. The other two are on the public roadmap, and the rest of this piece marks them as such every time.

After the spend: what works today

You create a group, add what people paid, and everyone sees their share. Splitting can be equal, by shares, by exact amounts, or by a draw where the app picks one member at random to cover the whole thing. Amounts display in 40+ local currencies, so nobody has to think in a foreign unit.

Friends join by link, in guest mode, with a name and no account. That detail decides whether a group actually uses a tool: the person who has to create an account before seeing the list is the person who never joins.

Then comes the part most tools leave to you. When the group decides to settle, and once the required approvals and funds are in place, every net balance clears together in one transaction, in USDC on Base. It is atomic settlement: all the balances move, or none of them do, so nobody ends up paid while a friend is still waiting. The money stays in each person’s own wallet until that moment, which is what non-custodial means in practice.

The app is free. The only fee is 0.1% at settlement, with a $0.10 minimum, shown before anyone approves, and Spliz covers the network cost. A group that only wants to track expenses never pays anything.

Which groups are we talking about?

Not one group, and not one kind of money. The same person belongs to several at once, and each has its own rhythm.

• The trip. Intense, short, one big prepayment and a hundred small ones: group trips.
• The flatshare. Slow and permanent, the same bills every month: roommates.
• The table. One bill, uneven appetites, a decision to make in two minutes: restaurant.
• The couple. Two people, shared and separate at the same time: couple.
• The night out. Rounds, taxis, people joining halfway: night out.
• The occasion. A birthday, a farewell, a group gift where one person collects: events.

Same mechanics, different tempo. You can browse them all from the use cases page.

Before the spend: the shared pot (roadmap concept)

Recording expenses after the fact works, but it still means one person carries the cost first. The alternative is older than any app: everybody puts in a little, up front, and the group spends from that.

That is the shared pot on our roadmap. A little from everyone, one shared budget that belongs to the group rather than to whoever booked. A money pool that no single member has to front.

It is not available yet. The preview on our home page is an illustrative concept, with illustrative amounts, and no money moves in it. We are not announcing a date, a price or a partner, because we do not have one to announce.

During the spend: the shared card (roadmap concept)

The pot raises the next question on its own: if the money is already sitting together, why split anything afterwards at all?

That is the shared card concept. One card for the group, drawing on the pot. One payment at the till, and each person’s share already worked out at the moment of payment, instead of being reconstructed from a receipt three days later. The split stops being a task somebody does and becomes a property of the payment itself.

Also not available yet, also on the roadmap. Today, Spliz lets you record expenses, see each person’s share, and choose whether to settle in USDC.

Why build it in this order?

Because each step removes one job from one person. Recording removes the memory work. One balance per person removes the arithmetic. Settling everybody at once removes the chasing. A shared pot would remove the fronting. A shared card would remove the split itself.

Read in that order, they are not five features. They are one idea getting closer to how people already live: the group decides, the group pays, the group is done. We wrote the longer version of that thesis in Built for one person. Life happens in groups. and the mechanics of the settlement itself in From “What do I owe you?” to a single transaction.

Common questions

Are the pot and the card available? Not yet. Both are on the roadmap. Today, Spliz lets you record expenses, see each person’s share and choose whether to pay in USDC.

Do my friends need an account? No. They join the group by link with a name. Settling in USDC is a separate step the group triggers when it decides to.

Does it cost anything to just track expenses? No. Creating a group, adding expenses and reading the balances costs nothing. The 0.1% fee, with its $0.10 minimum, applies only when the group settles.

Our lives are shared already. The money is just catching up.

Sources

• Spliz roadmap, status of the shared pot and the shared card, marked as concepts that are not available yet.
• Spliz home, the settlement fee (0.1%, $0.10 minimum) and what the app does today.
• Circle, issuer of USDC, the dollar-backed coin groups settle in.
• Base, the low-fee network the settlement runs on.