Splito

Expense splitting that works internationally. Any currency. Rate locked when you spend. Settle from your wallet. No subscription.

[Splito @splitodotio]

Venmo requests sit unread on purpose. People aren't forgetting.

They're hoping you forget.

Money is the one thing nobody in your friend group is willing to be direct about, and the request notification is the closest anyone wants to get.

[Splito @splitodotio]

Splitwise makes you pay $3/month for multi-currency support that still gets the exchange rate wrong. We made it free and made the rate actually correct.

[Splito @splitodotio]

Exchange rates in expense splitting apps are a lie.

Every app pulls some mid-market rate that nobody actually paid.

Your bank charged you one rate. Your friend's card charged another.

The app shows a third.

Then you argue about who owes what because the numbers don't match reality.

The fix isn't better rates. It's locking the rate at the moment the expense happens, so there's nothing to argue about.

That's what we built into Splito. One rate, set once, at creation time. Done.

[Splito @splitodotio]

According to Splitwise the exchange rate from THB to EUR is 39.7, while my bank's exchange rate is 37.3. If I convert the amount to Euro using Splitwise they would owe me 755 EUR, while they actually owe me 804 EUR.

That's a 49 euro difference. On a Pro subscription. The feature you paid for is lying to you.

[Splito @splitodotio]

Dinner was simple.
Splitting it wasn’t.
Receipts lost.
Amounts guessed.
Someone overpaid.
Someone forgot.

Small frictions — but everyone felt them.

[Splito @splitodotio]

@thebu11runner Gm gm 😁

[Splito @splitodotio]

@thebu11runner Exactly

[Splito @splitodotio]

Stablecoin offramp son or global stablecoin payments daughter…

Real answer: systems that make both invisible to the user.

[MoneyGram @MoneyGram]

Stablecoin offramp son or global stablecoin payments daughter

[Splito @splitodotio]

It's good to build on @StellarOrg

@BuildOnStellar

[Splito @splitodotio]

@normalfi @BuildOnStellar @StellarOrg @justinbenjaminn @0xjblew @JakePenzato @0xawmit Banger thread.

[Splito @splitodotio]

gm 🌍

The future of payments won’t feel futuristic.
It’ll just feel… effortless.

[Splito @splitodotio]

@Scaramucci Stellar rewards staying solvent too. Split BTC payments with Splito, stay unlevered.

[Splito @splitodotio]

One of the most overlooked problems in digital payments:

Value and settlement aren’t always the same thing.
An expense can be created in USD, displayed in INR, and settled in USDC or XLM.

The user cares about the value.
The system handles the asset.

That separation is what makes multi-currency finance usable.

[Splito @splitodotio]

@lobstr Win or lose it's always GStellar.

[Splito @splitodotio]

When value and settlement are tied to the same asset, volatility decides the outcome.

Lending 1 SOL at $295 and settling later exposes an uncomfortable question:
asset back, or value back?

[Splito @splitodotio]

Group expense problems are rarely about money.

They’re about missing context.

Messages get buried. Screenshots disappear. Someone forgets to reply. Another person assumes it’s settled.

“Who paid?” turns into “How much do I owe?” which turns into silence.

Clarity, not reminders, is what actually fixes this.

[Splito @splitodotio]

In finance, trust isn’t built by adding features.

It’s built by clearly defining what a system will never control.

[Bu11runner @thebu11runner]

To everyone who's been hanging in there and still checking in to say hello, I salute you 🫡

Another day, spreading the word about $XLM to the crypto degens...

It's been quite a wild ride! Let's keep pushing, keep growing, and stacking Lumens 🪙⛏️. Wishing the whole crypto community a happy #TacoTuesday ❤️.