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Spliz vs Splitwise
Everything Splitwise does. Plus Spliz settles the balance.
The money actually moves
Spliz actually moves the money: once everyone approves, the whole group's balance settles on-chain in USDC, where a tracker only records who owes what.
| Splitwise | Spliz | |
|---|---|---|
| Moves the money for you | No. It records the total; the transfer is on you. | Yes. The balance clears on-chain once everyone approves. |
| Clears the whole group in one signature | 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 and its settlement contracts are audited: your funds stay in your wallet until you sign, and every settlement is public on-chain.
| Splitwise | 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 you sign, then move straight to the others. Spliz never holds them. |
| You can check it really happened | No. No on-chain settlement, so nothing to audit. | Yes. Every settlement is public on-chain, and the contracts that move the money are audited. |
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 | 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, 140+ display currencies, and guest mode.
| Splitwise | Spliz | |
|---|---|---|
| Split equally, by shares or exact | Yes. all three. | 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. 140+ currencies for display. |
| Groups for trips, flats, events | Yes. Yes. | Yes. and guests can join with no account. |
Common questions
Is Spliz a free Splitwise alternative?
Spliz is free to track and split, like Splitwise. 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?
Splitwise 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 signature, on-chain in USDC on Base, without ever holding your funds.
Does Splitwise move the money for you?
No. Splitwise 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?
Everyone approves once, then every balance clears together in one signature, 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 you sign, and the gas is 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 you approve, then clear directly to each person. The settlement contracts are audited and every settlement is public on-chain, so you can verify it yourself.
Does Spliz have a paid plan like Splitwise?
No. Spliz has no subscription and no paid tier; splitting and tracking are free, with nothing locked behind a paywall. The only cost is 0.1% (minimum $0.10) at settlement, shown before you sign.
The honest verdict
Spliz vs Splitwise in one line: Splitwise tracks 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 signature, in USDC on Base, non-custodial. You keep every basic you know, and gain the part that actually pays people back. Start free, split as much as you want, and you pay nothing until the day you settle.
Settle your next group tab in one signature.
Keep comparing
- Spliz vs Splitwise and TricountSplitwise and Tricount track who owes what; you pay back yourself. Spliz settles: one signature, every balance clears in USDC on Base.See the comparison
- Spliz vs TricountTricount tracks shared expenses and balances; you settle by bank transfer yourself. Spliz settles in USDC on Base, in one signature, non-custodial.See the comparison