DIVIDE

Ditch the messy spreadsheets and endless DM threads. With DIVIDE, you set up a group once, invite friends by link, and start logging purchases as they happen. Create a trip, a house share, or an event, then add an expense with a title, amount, and payer. Snap a photo of the receipt, assign a category, and choose how to allocate costs: equally, by custom shares, percentages, or exact amounts. Add notes or tags for quick filtering later. Balances update instantly so everyone sees who’s ahead and who needs to catch up—no manual math, no guessing. Edits are transparent and tracked, and notifications keep the group aligned without nagging messages.

Traveling or buying abroad? Enter the amount in the local currency and select it from the list—DIVIDE uses live exchange rates at the time of entry and lets you override the rate if you agreed on a specific conversion. Totals can be viewed in the display currency you prefer, while the original currency stays attached for clarity. You can search by payer, tag, or date range; export a CSV for reimbursement or accounting; and generate a clean summary to share with the group. If you’re offline on a plane or in the subway, add costs normally—entries sync as soon as you reconnect.

When it’s time to settle, finalize balances in minutes using USDC. Connect your wallet, choose a supported network, review who owes what, and confirm. Cross-border friends can pay each other without bank delays or surprise transfer fees. Partial repayments are supported, so you can chip away at what you owe, or close out a group in one go. Set reminders or a due date, and the app nudges participants with the exact amount and a one-tap payment flow. If someone is new to crypto, guide them through a simple, built-in wallet setup with clear prompts and transaction previews. Every payment is recorded against the group so the ledger and on-chain transfers always match.

Use DIVIDE as your playbook for real life. Roommates: track rent adjustments, utilities, cleaning, and groceries with recurring entries that auto-post each month. Trips: before you fly, create the group and pick a display currency; during the trip, log taxis, hotels, and meals in local currencies; when you get home, settle in USDC even if everyone lives in different countries. Event planning: collect ticket purchases, venue deposits, and shared gear; close out the budget the same day with on-chain payouts. For teams or creators sharing costs—co-working passes, gear rentals, ad spend—keep a running ledger, tag by project, and export summaries for bookkeeping. Privacy controls limit visibility to group members, and a clear audit trail shows what changed, when, and by whom—so you can focus on the experience, not the accounting.