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SplitwiseNow

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How SplitwiseNow works

Shared payment rooms on Solana: one ledger per group, live balances, the fewest possible transfers, and settlement in USDC or USDT straight between wallets.

1 · Rooms and invites

A room is a private ledger for one group — a trip, a flat, a project or an event. You sign in with your Solana wallet (a free message signature, no transaction). The creator becomes the owner.

Every member gets a personal invite link. Anyone already in the room can bring more people in, and the room records who invited whom. A room needs at least two members before expenses can be added. Only members can see a room.

2 · Expenses and payment requests

Expense: someone paid for the group. Choose who paid and who shares it — equally, by exact amounts or by shares (e.g. 2:1:1). Splits are exact to the micro-dollar (6 decimals, the same precision as USDC/USDT); any rounding remainder is assigned deterministically, so totals always add up.

Payment request: you ask members to pay you — the same amount from each, or a total split between them. It works like an expense that you paid.

Whoever added an entry (or the owner) can delete it while the room is open; balances recalculate instantly.

3 · Balances

Each member's balance = what they paid − their shares + settlements they sent − settlements they received. Positive means the group owes them; negative means they owe. Balances always sum to zero.

4 · Debt simplification

Instead of paying back every person who covered something, SplitwiseNow uses the net balances to build a short settle-up plan: it matches debtors and creditors with equal amounts first, then repeatedly pairs the largest debtor with the largest creditor. A group of n people never needs more than n − 1 transfers. The room page shows both views — the raw pairwise debts and the simplified plan — so you can see what was saved.

$267.20$221.70$123.70$97.70ANAnaBEBenCHChloeDEDevELEli

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.

5 · Settling in stablecoins

When you owe someone, press Pay. You can pay the planned amount or part of it, in USDC or USDT (SPL tokens on Solana mainnet, 1 token = 1 USD in the ledger).

  1. The server checks the ledger and your token balance, then builds an unsigned versioned transaction: a transferChecked from your token account to the receiver's, the platform fee transfer (if any), and an SPL Memo splitwisenow:v1|<room>|<settlement id>. If the receiver has no account for that token yet, it is created in the same transaction (you pay the one-time rent, ~0.002 SOL).
  2. The transaction is simulated against mainnet before you see it.
  3. Your wallet shows it; you sign and send it yourself. SplitwiseNow never holds funds or keys.
  4. After confirmation the server re-reads the transaction from the chain and only books it if it was signed by you, carries the right memo, and moved the full amount to the receiver.

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).

6 · Final receipt

When every balance is $0.00, the owner can close the room. That locks the ledger and issues a shareable receipt with each member's totals, every expense, and every settlement linked to its transaction on Solscan. The receipt carries a SHA-256 hash of its canonical JSON (sorted keys) — the receipt page recomputes it in your browser, and you can download the JSON to check it yourself.

Verify on-chain

Every settlement is an ordinary SPL token transfer you can look up on any explorer. Search the memo program logs for splitwisenow:v1|<room id> to find all of a room's payments. Amounts are in base units with 6 decimals.

API (roadmap)

A public API for communities and apps is planned: create rooms and expenses from your own product, read balances and settle-up plans, and receive unsigned settlement transactions to sign in your own wallet UX, with webhooks when payments confirm. Today the same endpoints power this site for signed-in users.

Roadmap

  • Premium groups — co-admins, recurring expenses, categories and budgets, CSV export, reminders.
  • Business payment plans — cost centers, approvals, scheduled settlement runs, invoices, volume pricing.
  • API + bots — REST API, webhooks, Discord and Telegram bots for community rooms.
  • More assets — pay in SOL or other tokens with an automatic swap to the receiver's stablecoin.
  • Batch settle — pay several people from the plan in one transaction.

Create a room