How to split a group trip and settle in USDC

To split a group trip and settle in USDC, you create a shared Spliz, log expenses as they happen, and everyone approves once. All the net balances then clear in a single on-chain transaction in USDC on Base. No bank transfer to kick off, no chasing anyone afterward.

Here is the full flow, step by step, and what each part actually means.

How do you split a trip fairly?

You log each expense as it happens and pick how it splits: equally, by shares, or exact amounts. Spliz keeps a running net balance for every person, so at any point you can see who is up and who is down without doing the math yourself.

• One person books the flat, another pays for dinner, a third covers the rental car. Each cost goes in as it lands.
• Split a cost equally across everyone, by custom shares (one person had the big room), or by exact amounts when only some people are in.
• There is no admin and no hierarchy. Everyone is equal in front of the balance.

How does everyone get paid back?

When the trip is over, every member approves the balances once, in a single tap. That approval is a signed consensus (EIP-712), not one person deciding for the group. Once everyone has approved, the settlement runs atomically: every net balance moves in one transaction, or none does.

That word, atomically, is the point. There is no state where some people are paid and others are still owed. The whole group clears together. Balances do not sit in a phone note for three months waiting on a transfer that never comes.

What does settling in USDC mean?

Settling in USDC means the money actually moves, in a US-dollar stablecoin, on Base (an Ethereum Layer 2). One USDC is redeemable for one US dollar, so there is no speculation and no waiting for a price to settle. The transfer clears in seconds.

Spliz is non-custodial: it never holds the money. The funds stay in each person’s own wallet, and nothing moves without that person’s signature. Spliz is not a bank and not a payment processor sitting on a balance, it is the layer that lets a group settle directly.

Do you need crypto to use it?

No. You sign in with Google or Apple and a wallet is created for you in the background, or you connect a wallet you already use. Friends can even join a trip in guest mode, with no account at all, and sign in later when it is time to settle.

You never touch gas either. Spliz’s relayer sponsors the network cost of the transaction. You approve, and that is the whole job.

What does it cost?

There is no subscription and nothing to pay to download. The only cost is a 0.1% fee at settlement, in USDC, with a $0.10 minimum on small amounts. You see the exact number before you sign, and network gas is on Spliz.

For a $100 dinner split four ways, the fee is $0.10 total (the minimum applies), about three cents each. It applies to what actually moves on-chain, and Spliz bundles transfers to shrink that volume, so fewer payments mean lower fees.

The short version

1. Create a Spliz and add the group (account or guest).
2. Log expenses as they happen, split equally, by shares, or exact.
3. Everyone approves the balances once.
4. All balances settle atomically in USDC on Base, in seconds.

Spliz is live on iOS and Android. The roadmap is public, and the community shapes it on Discord.

Split the trip while it happens. Settle it in one signature.