A shared pot for every plan, wherever your friends live.
Join with one fingerprint. Spend from the pot under rules the group agrees on. When the plan ends, everyone is settled in one tap, in pounds, dollars or rupees.
No bank account in common. No app password. Free for groups.Trips, festivals, house shares. One pot each.
From the group chat to settled, in four steps
Everything happens in the app. Nobody needs a bank in the same country or anything to set up first.
- Step 1
Join with one fingerprint
Tap the invite in your group chat. Your fingerprint creates your account and joins the plan.
- Step 2
Add money in your currency
Type £40, $50 or ₹4,000. The pot holds digital dollars and shows everyone their own currency.
£40 → $53.89 - Step 3
Spend under the group’s rules
Small spends go straight through. Bigger ones wait for a friend’s yes. Everyone sees it live.
Goes through now · under $25 - Step 4
Settle up in one tap
At the end, one tap pays back everyone who is owed and collects from anyone who owes.
3 countries · 1 tap · 0.6 s
Rules your group sets, kept by the pot itself
Pick Easygoing, Balanced or Strict, then change anything. Nobody, including us, can spend outside the rules.
Small things go through. Big things need a yes.
Balanced, the default: up to $25 is instant, up to $200 needs one friend, above that the majority.
Budgets per category
Set a cap for stay, food or tickets. A spend that would go over is stopped before any money moves.
Anyone can hit pause
Something looks wrong? Any member can stop all spending for a day while the group sorts it out.
Pause spendingFair disputes
Think a split is wrong? Flag it. The friend who paid can fix it, or the rest of the group decides.
Keep · or · Spender coversLeave any time
Going home early? Leave the plan and get back what you put in, minus your share so far.
Your refund: $61.40Your friends live in different countries. Your pot doesn’t mind.
Send to a friend in another country and they see it in their own currency in under a second, with the exchange rate on the receipt.
Send to anyone, even without the app
Send a link. Your friend opens it, confirms with their fingerprint and the money is theirs, wherever they are. If nobody claims it in 7 days, it comes back to you.
Settled in 0.6 s · Network cost covered by Plans
Built on Monad, measured, not promised
We measured the network on 5 October 2026. These numbers are why a spend reaches every phone before you put yours down.
between blocks, median
196 blocks · websocket timinguntil a payment is final, median
0.65 s at p95 · 93 blocksto send digital dollars, paid by Plans
112,910 gas · 102 gwei · MON $0.031Live counts start when Plans launches on Monad mainnet. Demo accounts are never counted. See all stats
Your receipts are for your group only
Locked with your fingerprint
Receipt photos, notes and names are encrypted with a key that comes from your passkey. Only people in the plan can open them.
New phone? Sign in with the same passkey and everything is back, receipts included. Nothing to copy, nothing to remember.
Good questions, short answers
What are digital dollars?
The pot holds AUSD, a digital dollar issued by Agora and backed one to one by cash and short-term US Treasuries. You see it as dollars, next to your own currency.
Do I need to know anything about crypto?
No. You use your fingerprint. There are no passwords, seed phrases or network fees to pay.
What if someone owes money at the end?
When you join, you choose a small safety net. At settle-up, anything you owe up to that amount is collected from your Plans balance. Anything more is shown as a debt you can pay later.
Can the organiser run off with the money?
No. The pot has no owner. Every spend follows the rules the group agreed, and those rules can only change with the group’s approval.
Which phones work?
Android 9 or newer with a screen lock, for the beta. iPhone comes later.
How do I get money in and out?
For the beta, a friend can send you a link, or you can receive digital dollars from an exchange. Bank and card top-ups are planned.
Start a plan before the group chat goes quiet
The Android beta opens on 12 October. Download the app, start a plan and drop the link in your chat.
Download for Android Beta · 12 OctAndroid 9 or newer · free for groups · open source (MIT)