The shared account for
your trip, your flatshare, your team, your family, your night outyour tripyour flatshareyour teamyour familyyour night outyour trip

Spliz is the group expense app that splits the bills and actually settles them. Trips, flatshares, dinners, events: everyone adds what they paid, everyone signs, and every balance clears in a single transaction, in USDC on Base. Your money stays in your wallet until you sign.

It’s the bill arriving and nobody reaching for it. It’s the friend you have to remind two weeks later about a $12 transfer. It’s you not daring to ask for your share. Spliz removes that moment: everyone signs, everyone pays at the same time, nobody runs after their money.

A settlement where every payment happens in one transaction, or none do. As long as one signature is missing, nothing moves. Once everyone signs, it all goes at once, in USDC, on Base. You don’t need to trust anyone to pay: the contract handles the settlement.

Classic expense-splitting apps stop at the math. Spliz signs and pays: one transaction, every balance moves, every share lands in the right wallet, in USDC. No chasing.

You receive an invitation link by message. Tap it, the app opens, and you join the group in one tap. First time? The link takes you to the store to download Spliz.

No. Sign in with Google or Apple and your wallet is created on the spot. Already have one? Connect it.

Spliz takes 0.1% on settlement, $0.10 minimum. Everything else costs nothing: no subscription, no hidden fee. Network fees, we pay. You see the exact number before you sign. For a $100 dinner split 4 ways: about $0.03 per person. Buying or withdrawing USDC goes through a partner, which applies its own fees; Spliz adds nothing on top. And Premium? An optional plan coming after launch (deeper history, advanced modes). Settling never requires it; the launch offer gives you 3 months of it, and beta testers who leave us their email get it for life.

Each member reviews the expenses and signs when they want. As long as one signature is missing, nothing moves. On the last one, everything settles at once.

Your wallet is protected by Privy (encrypted key). Settlements run through the contract on Base: Spliz never holds your funds, and every transaction is readable on Base.

Your recovery key is a long code (a private key) that proves your wallet is yours. Spliz doesn't store it: it lives only on your device and on the secure spliz.app/export-wallet page when you choose to export it. Save it somewhere safe (password manager, iCloud Keychain, paper in a safe). It's what lets you recover your funds even if you lose your phone or change sign-in methods.

As long as you've backed up your recovery key, your funds are yours. You import the key into MetaMask, Rainbow, or any Base-compatible wallet, and regain access. If you have NOT backed up your key and you lose all your sign-in methods (Apple, Google, email…), your funds are permanently lost. Spliz can't restore them for you.

No. Apple, Google and email are 3 ways to open the SAME wallet, not 3 different wallets. If you lose access to all these methods at once (phone stolen + email compromised, for instance), you lose access to your wallet, unless you've backed up your recovery key. Linking multiple methods protects against losing ONE method; backing up your key protects against EVERYTHING.

A stablecoin issued by Circle, pegged 1:1 to the US dollar and backed by cash reserves. 1 USDC = $1, that’s it.

In the app you can buy USDC by card and withdraw to your bank account through a partner, currently Coinbase, under its own terms, in the countries it covers. You can also receive USDC from any wallet or exchange.

Yes. Creating a group, adding expenses and following the balances is free and requires no settlement. Settling in USDC is a step the group triggers when it decides to.

Yes, for compliance reasons: 500 EUR per operation, 1,000 EUR over a rolling 24 hours and 3,000 EUR over a rolling 30 days (550, 1,100 and 3,300 USDC). Limits apply to what you send, not to what you receive.