Spliz: the fintech for groups
Archive: Spliz鈥檚 vision for groups, shared expenses and repayments. The former payment experience is disabled.
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This guide describes an earlier version.
Payments and wallets are disabled in the current version of Spliz. You can split expenses and record repayments made elsewhere. The flows and pricing described in this article are no longer offered.
A holiday apartment, groceries for the flat, dinner with friends: the group spends together, but one person often pays upfront. Spliz keeps those expenses in one place and shows what each person owes.
What can the group do today?
The app keeps expenses, participants and balances together. Friends install Spliz and can join through a link as guests, without creating an account. Adding an expense or calculating a share does not send money.
You can pay each other back in cash, by bank transfer or with another app, then record the payment. Spliz also offers optional USDC payments on Base, directly to the person you owe. You need an account and a funded wallet. Each payer reviews the amount and confirms their own payment; nobody triggers payments for the others.
What does it cost?
The app is free. A payment in Spliz costs 0.1%, with a 0.10 USDC minimum per payment, shown before confirmation. Spliz covers network fees. Buying or withdrawing through a provider may carry separate fees and depends on your country.
Why call it a fintech for groups?
That is the product direction: start with what people do together, then help them organize expenses and repayments. Today, funds remain in individual wallets. The group has no shared bank account or Spliz card.
Our article on starting with the group explains that ambition. Planned features are not available services.
What about a shared pot and card?
Pot and Card are on the public roadmap. The aim is to help groups prepare for expenses and pay for them together. Their operation, availability and terms will be explained before launch.
Meanwhile, Spliz on iOS and Android helps your group keep its accounts and choose how to pay each other back.
Friends first. Enjoy the good times.
