Compare
Spliz vs Splitwise and Tricount
Compare the ways to split, the costs and what happens when it’s time to pay. Spliz offers optional group payment in USDC on Base.
The money actually moves
Spliz actually moves the money: once the required approvals and funds are in place, the whole group's balance settles on-chain in USDC, where a tracker only records who owes what.
| Splitwise, Tricount | Spliz | |
|---|---|---|
| Moves the money for you | No. They record the total; the transfer is on you. | Yes. The balance clears on-chain once the required approvals and funds are in place. |
| Clears the whole group in one transaction | No. Manual transfers, one person at a time. | Yes. Every balance clears together, all at once, or none does. |
| Pay back across borders | No. On you: bank transfer, IBAN, or the right local app. | Yes. Built in. Settle with anyone, in any country, in seconds. No IBAN, no bank transfer. |
Safe with your money
Spliz is non-custodial: your funds stay in your wallet until settlement, the contracts are public and every settlement is readable on-chain.
| Splitwise, Tricount | Spliz | |
|---|---|---|
| Settles without ever holding your money | No. They never move money, so nothing is settled and nothing is held. | Yes. Funds stay in your wallet until settlement, then move straight to the others. Spliz never holds them. |
| You can check it really happened | No. No on-chain settlement, so nothing to check. | Yes. The contracts are public and every settlement is readable on-chain. |
Settled in dollars, priced honestly
Spliz settles in USDC on Base in seconds and is free to track; the only fee is 0.1% (minimum $0.10) at settlement, shown before you sign.
| Splitwise, Tricount | Spliz | |
|---|---|---|
| Where the balance settles | Off-platform, whatever you arrange. | USDC on Base, a dollar stablecoin, in seconds. |
| What it costs | Free to track; the paying-back is on you. | Also free to track. The 0.1% is only at settlement, $0.10 minimum, shown before you sign. |
All the splitting you already know
Spliz does the everyday splitting you already know: equal, shares or exact, one balance per person, 40+ display currencies, and guest mode.
| Splitwise, Tricount | Spliz | |
|---|---|---|
| Split equally, by shares or exact | Yes. both do. | Yes. All three, plus a draw mode. |
| One running balance per person | Yes. a clean ledger. | Yes. the net balance per person. |
| Your own currency | Yes. Multi-currency display. | Yes. 40+ currencies for display. |
| Groups for trips, flats, events | Yes. Yes. | Yes. and guests can join with no account. |
The honest verdict
Spliz vs Splitwise and Tricount in one line: they track who owes what, and you pay each other back yourselves; Spliz tracks the same and then settles the balance for the whole group in one transaction, in USDC on Base, non-custodial. The feature table shows what is shared and what differs. Tracking expenses has no fee. In-app payment is optional and requires the group’s approvals and funds; the fee is shown before signing.
When to stay on Splitwise or Tricount
- Your group pays each other back in cash or by bank transfer, and that works fine for you.
- Nobody in the group holds USDC, and nobody wants to.
- Everyone is already on Splitwise or Tricount and nobody wants to settle inside the app.
In those cases, keep what you have. The day the group wants the balance to actually clear, in one transaction, Spliz is here.
Less to work out. More to enjoy.
Common questions
Is Spliz a free Splitwise and Tricount alternative?
Spliz is free to track and split, like Splitwise and Tricount. The only fee is 0.1% (minimum $0.10) at settlement, and it is shown in full before you sign.
What is the difference between Spliz and Splitwise and Tricount?
Splitwise and Tricount is a tracker: it records who owes what and you pay each other back yourselves. Spliz does the same splitting and then settles the balance for the whole group in one transaction, on-chain in USDC on Base, without ever holding your funds.
Does Splitwise and Tricount move the money for you?
No. Splitwise and Tricount records who owes what; you still pay each other back yourselves. Spliz settles the balance for the whole group, on-chain in USDC.
How does Spliz settle a group expense?
Once the required approvals and funds are in place, every balance clears together in one transaction, in USDC on Base, all at once or not at all.
Do I need crypto or an account to use Spliz?
You can join a group as a guest with no account, and see amounts in your own currency. The funds stay in your own wallet until settlement, and network fees are covered.
Is Spliz safe, and can it access my money?
No, Spliz cannot access or hold your money. It is non-custodial: your funds stay in your wallet until settlement, then clear directly to each person. The contracts are public and every settlement is readable on-chain, so you can verify it yourself.
Is Spliz a good Splitwise and Tricount alternative?
Spliz does the same everyday splitting as Splitwise and Tricount, and adds what they leave to you: it settles the whole group's balance in one transaction, on-chain in USDC, non-custodial.
Should I use Splitwise, Tricount or Spliz?
If you only want to note expenses and pay each other back yourselves, Splitwise and Tricount do that well. If you want the group to actually settle, in one transaction, in USDC on Base, with nobody holding the money in between, use Spliz. Splitting stays free; the only fee is 0.1% (minimum $0.10) at settlement.