Shared payment rooms on Solana
Split it with friends.
Settle it in stablecoins.
Create a room, invite your group with a link and add expenses. Everyone sees what they owe, and SplitwiseNow works out the fewest transfers to settle up — paid wallet-to-wallet in USDC or USDT.
- Non-custodial
- USDC · USDT
- Minimum transfers
- Verifiable receipts
Lisbon trip
5 members · $2,427.50 spent
Settle-up plan · 4 transfers instead of 10
The problem
Group money is easy to spend and annoying to settle.
Someone always fronts the hotel. Someone else pays for dinner. In crypto that means copying addresses, guessing amounts and sending a dozen transfers. SplitwiseNow keeps one shared ledger per group and turns it into a handful of exact, verifiable payments.
Five friends on holiday
Villa, car, dinners — one person pays each time, and nobody keeps a spreadsheet.
A group buying something together
A gift, a festival table, a shared console. Collect everyone’s part in stablecoins.
Three developers sharing project costs
Hosting, domains, audits. Track who fronted what and settle monthly.
A community funding an event
Organisers request contributions from members; every payment is on-chain and visible to the room.
How it works
Six steps from “who paid?” to “we’re square.”
- 01
Create a room
One room per trip, flat, team or event. Pick a name — that is it.
- 02
Invite with a link
Everyone gets their own invite link, so any member can bring the rest of the group in.
- 03
Add expenses or requests
Log who paid and who shares it — equally, by exact amounts or by shares. Or request a payment.
- 04
Everyone sees their balance
Live balances for every member, and the smallest set of transfers that settles the whole group.
- 05
Settle in USDC or USDT
One tap builds the transfer; your wallet signs it. Money goes straight to the person you owe.
- 06
Get the final receipt
When everyone is square, close the room and share a receipt with every on-chain signature.
Debt simplification
Fewer transfers. Same result.
Instead of everyone paying everyone back, SplitwiseNow nets out each member's balance and finds a short list of payments that settles the entire group. Try it with sample data:
Five friends, one holiday
- Villa (4 nights) · Ana paid$1,200.00
- Car rental · Ben paid$310.00
- Groceries · Chloe paid$145.50
- Boat trip · Dev paid$420.00
- Dinner on the last night · Eli paid$268.00
- Fuel · Ben paid$84.00
Settle-up plan
- Chloe pays Ana$267.20
- Eli pays Ana$221.70
- Ben pays Ana$123.70
- Dev pays Ana$97.70
10 raw debts → 4 transfers. Same final balances, 6 fewer on-chain payments.
Grows with your group
Every member can invite the next.
Rooms are built for groups, so every participant gets a personal invite link. The friend who knows everyone on the trip can add them without waiting for the organiser — and the room shows who brought whom.
- Join with a wallet signature — no email, no password
- Rooms are private: only members can see balances
- Up to 50 members per room
Non-custodial
Your wallet pays your friend. Directly.
The server only prepares an unsigned transaction. You review it in your wallet and sign it yourself; the stablecoins go straight from your wallet to theirs. Each payment carries a memo linking it to the room, and the server re-checks the confirmed transaction on-chain before it counts.
How verification worksPricing
Free to split. A small, visible fee to settle.
Groups are free. When you settle up, a small fee is added on top and shown before you sign. Premium, business and API plans are on the roadmap.
Groups
LiveFree
+ …
Everything you need to split and settle with friends.
- Unlimited rooms and expenses
- Invite links for every member
- Equal, exact and share-based splits
- Payment requests
- Minimum-transfer settle-up plan
- USDC / USDT settlement on Solana
- Final receipt with a verifiable hash
Premium groups
PlannedRoadmap
For clubs, DAOs and big friend groups.
- Co-admins and member permissions
- Recurring expenses (rent, subscriptions)
- Categories, budgets and CSV export
- Reminders when someone owes
- Room branding and custom invite pages
Business
PlannedRoadmap
Payment plans for teams and small companies.
- Team cost centers and approvals
- Scheduled settlement runs
- Invoices and accounting exports
- Multi-wallet treasury settlement
- Volume-based lower fees
API
PlannedRoadmap
Embed payment rooms in communities and apps.
- REST API + webhooks for rooms, expenses, balances
- Unsigned settlement transactions for your own wallet UX
- Discord / Telegram bots
- Per-app fee share
How the settlement fee works
- Current fee: …. It is paid by the person settling, on top of the amount — the receiver always gets the full amount.
- The fee is a separate transfer inside the same transaction, to the platform wallet (none configured). You see the exact number before you sign.
- Creating rooms, inviting people and adding expenses is free. Solana network fees (fractions of a cent) are paid in SOL. If the receiver has never held that stablecoin, the first payment also funds their token account (~0.002 SOL rent, one-time).
Start a room in under a minute.
Connect a Solana wallet, name your room and share the link with your group.
Create a room