New — Splivo v0.1.5

Splivo settles it.

Split any bill in seconds. Send a single pay-link. Everyone pays back through Venmo, Cash App, Zelle, PayPal, or crypto — and you don't chase anyone.

No account required Splivo never holds money
Pays out through the apps you already use
venmo $ Cash App Zelle PayPal Crypto
How it works

Three steps. Zero awkwardness.

Snap a receipt, send a link, and let everyone pay back the way they already do. Splivo handles the math and the chasing.

01

Split the bill

Snap the receipt, split evenly, by item, or by percentage. Splivo handles tax and tip automatically.

02

Send the link

One link, native share sheet. No app install required for anyone else in the group.

03

Settle up

Everyone pays through Venmo, Cash App, Zelle, PayPal, or crypto. Splivo confirms and closes it out.

Product

Built for the group chat, tuned for your bank.

Every detail engineered to remove friction — from OCR on the receipt to the tap that closes the tab.

Receipt OCR

Scan line items, tax, and tip in one pass. Splivo builds the itemized split for you.

Five payment rails

Venmo, Cash App, Zelle, PayPal, and crypto. Splivo routes — it never custodies your money.

Shareable pay-links

Send one URL. Everyone taps, pays, done. No one has to install Splivo.

Itemized or even

Split evenly, by item, by percentage, or by shares. Taxes and tips proportional or fixed.

Your money stays yours

Splivo never holds funds. Payments route directly between people through the rail they choose.

Gentle reminders

Automated nudges on your behalf. Never feels like you're chasing the check.

The moment dinner ends, Splivo settles it. No one has to say "I'll Venmo you." The bill just closes itself.

Founding beta · Austin, TX
5
Payment rails
$0
Funds held by Splivo
~60s
From receipt to sent
Local
First data model
For the moments

The receipts of real life.

Splivo is built for the every-weekend scenarios that make group money messy.

Dinner

Italian on 6th

Four people, two bottles, one tiramisu. Split by item, tip proportional.

Trip

Lake weekend

Airbnb, gas, groceries, that one lunch nobody remembered. Splivo reconciles it all.

Home

Rent + utilities

Roommates, recurring splits, auto-reminders on the 1st. Set it once.

Invoice

Freelance payout

Send a clean pay-link. Client pays via their rail. You get a receipt. Done.

Splivo settles it.

Download Splivo. Split your first bill in under a minute.

No more "I'll Venmo you."