Why we built Spliz: the end of "you owe me"

New Year’s Eve, 2025. Montreal. I’m at dinner with two friends, a Brazilian and a Canadian. The bill is split on a tracker, clean. I owe my host 47 Canadian dollars. I pull out my phone, ready to pay.

Then the absurd part begins. “Do you take Wero?” “What’s that?” “Maybe Pix?” “I use Interac, do you have it?” Twenty minutes. Nothing worked. We ended up saying “we’ll sort it out later.” We never sorted it out later.

That night I couldn’t sleep. Not because of the 47 dollars, because of what the moment revealed. I can video-call my sister from the other side of the planet in two seconds. Send her 50 euros? IBAN, BIC, one to three business days, and a prayer.

Payment rails are fragmented by border. Wero in Europe, Pix in Brazil, Interac in Canada, Zelle in the US. None of them talk to each other. It’s an infrastructure problem everyone runs into and nobody names.

The decision on the flight home

I decided to build something for it. Not another expense tracker, there are plenty. Something that solves the part that actually breaks: the settlement.

The idea: use stablecoins as a neutral rail. A digital dollar that works the same in São Paulo, Toronto and Paris. No borders, no bank asking why you’re sending money to a “high-risk country”. On January 15, 2026, I started coding. I called it Spliz.

Tracking was never the problem

The math was always easy. The tracker did its job that night in Montreal. The problem is the moment after: someone fronts the money, a few people pay back instantly, a couple promise “tomorrow”, one goes quiet. A week later you remind them. A month later you give up. The amount gets quietly written off and trust takes a small hit. Multiply by ten trips and two years of flat-sharing, that’s the real price of “we’ll sort it out later”.

How Spliz actually settles

• Create a Spliz, add members (with or without an account, guest mode is built-in), log expenses as they happen.
• When you’re ready to close, every member approves the balances in one tap. It’s a signed consensus (EIP-712), not an admin deciding for the group.
• Once everyone’s aligned, the settlement happens atomically, on-chain, in USDC. One transaction, every net balance moves, done.

No manual transfers to kick off. No follow-up DMs. No “I paid, now you chase me” dance. Balances don’t sleep, they settle.

Why USDC on Base

1. No gas to pay.You never touch ETH. Spliz’s relayer sponsors the transaction; you sign, that’s it.
2. 0.1 % fee. Taken at settlement, with a $0.10 floor on small amounts. You see the exact number before you sign.
3. A neutral, borderless rail.USDC is a dollar stablecoin issued by Circle. It works the same whether your friends are in Montreal, São Paulo or Paris, the exact thing that failed me that night.

And you don’t need to be into crypto. Sign in with Google or Apple and a wallet is created for you, or connect one you already use. Your keys stay yours; Spliz never holds your money.

Building this in public

I’m a solo builder, and I’m sharing the journey here: the wins, the doubts, the technical rabbit holes, the real numbers. If you’ve ever stared at your phone trying to figure out how to pay a friend abroad, you already know why I’m building this.

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

The end of “we’ll sort it out later”. For real, this time.