Christian Pankui

Founder @ Halfsy Pay: one card for friends and house share, everyone pays their share automatically. No fronting, no chasing.

[Christian Pankui @ChrisPankui]

I lost an 5 year friendship over £120.

We went on holiday to Morrocco with a group of 8. I covered the Airbnb and meals (those airmiles though), and we tracked everything.

My mate and his girlfriend owed me £500. They paid £380. Then they ghosted the reminder. The following year, same trip, same story, different excuse.

It wasn't that they couldn't afford it, it's that asking became so awkward I just stopped asking. And then I stopped wanting to see them at all.

That's when I realised the problem isn't stingy people. It's that money in group situations creates friction before anyone even realises there's a problem.

So we built Halfsy. It's a shared virtual card everyone links to Apple/Google Pay. When the card gets tapped at dinner, everyone's share auto-deducts in real-time based on what you'd already agreed. No tracking, no chasing, no transferring, no guilt.

Works the same way for flatshares. Set up a household Halfsy card and bills split automatically when they're due. Like having a joint account without actually having one.

We're looking for 100 early testers in the UK right now, and we're offering anyone who joins the waitlist £10 in Halfsy credit.

Join the waitlist to be a tester : https://t.co/HT84fKJkSG

Has anyone else lost a friendship over small amounts of money?

Curious if this is just me.

[Christian Pankui @ChrisPankui]

@AlfieJCarter Agents

[Christian Pankui @ChrisPankui]

@LoganTGott Outbound

[Christian Pankui @ChrisPankui]

@laurenhodds @iD_Mobile_UK Same issue and the chat on their site is crap, no help at all

[Christian Pankui @ChrisPankui]

@StephNass Funding

[Christian Pankui @ChrisPankui]

@oliverhenry That’s incredible sauce, well done mate. The only spare computer I have is a MacBook, can I install clawdbot on that

[Christian Pankui @ChrisPankui]

@lottsnomad Bee following you since xpo days, and that’s the key advice I’ve taken from you. That’s why I started building a waitlist even before finding my technical co-founder. The waitlist made it easier to get a co founder on board

[Christian Pankui @ChrisPankui]

@PLBompard I don’t think you can market on Reddit at all. Any sign of self promotion and it’s automatically removed.

[Christian Pankui @ChrisPankui]

Growing a B2C audience and waitlist is a very time consuming effort. I’ve tried TikTok but producing content isn’t my strong suit but I’m trying to learn what my audience wants and then I can hire content creators.

Reddit has seen the most success but the moderators are sharks. What’s the best way you’ve found to grow a waitlist

[Christian Pankui @ChrisPankui]

@ErnestoSOFTWARE Worth remembering the android users, revenue wouldn’t be as much a ios but great exposure and still revenue

[Christian Pankui @ChrisPankui]

@matteo_spada Really cool app I wonder what their distribution strategy was or whether it’s mainly UGC

[Christian Pankui @ChrisPankui]

@Steezehuman Hello

[Christian Pankui @ChrisPankui]

@justbyte_ Hi

[Christian Pankui @ChrisPankui]

@Kodakuyz2 Thanks, hopefully it helps stop the awkwardness between friends and flatshares when it comes to bills. Would you like to be part of our beta tests?

[Christian Pankui @ChrisPankui]

I lost an 5 year friendship over £120.

We went on holiday to Morrocco with a group of 8. I covered the Airbnb and meals (those airmiles though), and we tracked everything.

My mate and his girlfriend owed me £500. They paid £380. Then they ghosted the reminder. The following year, same trip, same story, different excuse.

It wasn't that they couldn't afford it, it's that asking became so awkward I just stopped asking. And then I stopped wanting to see them at all.

That's when I realised the problem isn't stingy people. It's that money in group situations creates friction before anyone even realises there's a problem.

So we built Halfsy. It's a shared virtual card everyone links to Apple/Google Pay. When the card gets tapped at dinner, everyone's share auto-deducts in real-time based on what you'd already agreed. No tracking, no chasing, no transferring, no guilt.

Works the same way for flatshares. Set up a household Halfsy card and bills split automatically when they're due. Like having a joint account without actually having one.

We're looking for 100 early testers in the UK right now, and we're offering anyone who joins the waitlist £10 in Halfsy credit.

Join the waitlist to be a tester : https://t.co/HT84fKJkSG

Has anyone else lost a friendship over small amounts of money?

Curious if this is just me.

[Christian Pankui @ChrisPankui]

Comment “Halfsy” for lifetime free access.

[Christian Pankui @ChrisPankui]

@deel @Arsenal I’d take my fiancée whose never been to an arsenal game. #deelxArsenal

[Christian Pankui @ChrisPankui]

@rcmisk I got 100 people sign up to a Google form waitlist on my Reddit post within 40 min before Reddit removed the post

[Christian Pankui @ChrisPankui]

@amasad I can’t wait to get that high of the first customer. I got a mini hit when our waitlist hit 100 in a day but it’s probably nothing compared to getting first paying user

[Christian Pankui @ChrisPankui]

I can’t wait to experience that high! I got a mini high when our waitlist reach 100 in a day but can’t wait for the true high

[Amjad Masad @amasad]

As a founder you’ll forever chase the high you got from your first customer.

Luckily I get contact high from talking to Replit builders going through it everyday.

[Christian Pankui @ChrisPankui]

@brianshinsh congrats on reaching your $10k what was your secret weapon to getting the first few users on the waitlist!

[Christian Pankui @ChrisPankui]

What’s the one biggest advice you would give to a founder building a consumer fintech in 2026?