USDC · SOLANA · OPEN SOURCE

Split the bill.
Settle in USDC.

Instant, ≈free, no chargebacks. You front the bill — Divvy collects each person's share to a wallet you control.

Split a bill → See how it settles
≈ $0.0002 / tx|~400ms finality|no token
DIVVYTABLE 12
JUN 23 2026 · 20:41 · BANGKOK
Tonkatsu set18.50
Shoyu ramen16.00
Gyoza (6)8.50
Karaage9.20
Highball ×213.80
Matcha latte8.07
Subtotal74.07
Tip 18% (thanks!)13.33
TOTAL $0.00
ref 7Bx…q9F · verified on-chain
solana · usdc · no chargebacks
SHARE 01
$29.14
Ava
SHARE 02
$29.13
Marco
SHARE 03
$29.13
Priya
29.14 + 29.13 + 29.13 = 87.40
Settled ✓
21:14 · THE BILL ARRIVES

Someone always
fronts it.

Tonight that's you. By the time the plates are cleared, everyone's square — settled at the table, in USDC.

TABLE 12 · 3 PPLSETTLED ✓
$87.40in USDC
✓ ✓ ✓
01 — THE HONEST PART

It's not for everyone. On purpose.

Divvy won't beat Venmo or Zelle for splitting tacos with your hometown friends. We're not trying to. It earns its place in exactly three rooms:

01

Crypto-native groups

Everyone already holds USDC. No "download this app, link your bank, wait three days." A link, a tap, settled — before the waiter's back with the card machine.

02

Travel & cross-border

Four passports, one dinner. Settle in a single borderless currency with no FX spread skimmed off each transfer.

03

Weak-fiat-rail markets

Dollars that move when the local rails don't. When the bank app is down, the chain isn't.

No token. No spread. No "trust me." — the whole trust model, in five words.
02 — HOW IT WORKS
STEP 01 / SCAN

Snap the receipt.

Claude reads the total straight off the paper — even a ฿ receipt in Thai. No typing, no math, no arguing about the tip.

STEP 02 / SPLIT

Fairly. To the cent.

Tap − N + for the headcount, or pull from a saved group. Integer-cents math means every share sums to the total exactly.

{{ count }}
PEOPLE
$87.40 →
${{ s.amount }}
STEP 03 / SHARE

A link + QR, per person.

Each share becomes a Solana Pay USDC link with its own QR — and its own reference pubkey, so the chain knows exactly who paid.

STEP 04 / SETTLE

Watch it land.

Paid shares clear in ~400ms, ≈free, no chargebacks. You see who's in, who's out, and a Settled ✓ when the table's square.

ร้านอาหาร
฿ THB · BANGKOK
READING
ทงคัตสึ580
ราเมง500
เกี๊ยวซ่า280
ไฮบอล ×2430
รวม฿2,450
TOTAL ฿2,450 ✓
$87.40 ÷ 3 =
$29.14
Ava
$29.13
Marco
$29.13
Priya
Ava$29.14
solana:pay · ref 7Bx…q9F
sent ✓
Marco$29.13
solana:pay · ref 3pQ…mZ1
sent ✓
Priya$29.13
solana:pay · ref Kv7…2qF
sent ✓
Ava···paid ✓
Marco···paid ✓
Priya···paid ✓
SETTLED ✓
03 — PAYING IS THE EASY PART

No app required to pay.

Send the link. Your friend picks how they settle — three ways, none of them "make an account first."

{{ activeTag }}

{{ activeTitle }}

{{ activeBlurb }}

↗ tap a method on the phone
20:41divvy.link/s/7Bx25G ▰▰▰
÷Pay your share
$29.14
your share · Table 12 → you.sol
Scan with Phantom or Solflare
Approve in wallet
•••• •••• •••• 4291
● via MoonPay — card → USDC, no chain
Pay $29.14
⊕
Wallet created from the link
no seed phrase · no extension
G7c…wA7 · ready ✓
Spin up & settle
no app · no account · settles in ~400ms
04 — TRAVEL

One currency.
No borders.

Scan a baht, euro, or yen receipt. Divvy settles everyone in USDC at a locked, timestamped rate — so nobody eats the FX spread or argues about whose bank had the worse day.

rate locked at scan · timestamped on-chain · no spread

SAME DINNER · ANY RECEIPT →
DIVVY · SETTLEMENT PASS
BILLED
{{ billedSym }}{{ billedAmt }}
{{ billedCode }}
→
SETTLED
$74.48
USDC
🔒 {{ rateStr }}
LOCKED 2026-06-23T20:41:07Z · BLOCK 287,441,902
%
05 — COUNT THE COST

Fronting the bill shouldn't cost you twice.

Dinner's already paid. The fees and FX spread on getting paid back are the part nobody mentions — until a year of trips quietly adds up to a flight you could've bought.

THE SPREAD, OVER A YEARdrag to feel it
Trips a year{{ trips }}
Avg bill you front{{ avgBillStr }}
Card abroad · 3.1%−{{ cardYrStr }}
Venmo instant · 1.75%−{{ venmoYrStr }}
Divvy · USDC · ~0%{{ divvyYrStr }}
YOU KEEP vs CARD FX · PER YEAR
{{ keepStr }}

Even against Venmo's gentler 1.75%, that's {{ venmoYrStr }} a year you stop handing over. The spread you never see funds someone else's margin — not your next flight.

no token · no spread · no "trust me"
06 — TRUST & THE MATH

Auditable, not "trust me."

÷explorer
tx/5x8Kq2nT…vR4mZ1qF⧉
FINALIZED
CONFIRMATIONS
requested
20:41:03.118
signed
20:41:03.402
confirmed
20:41:03.612
settled ✓
20:41:03.788
slot287,441,902
time~412 ms
fee0.000005 ◎ ≈$0.0002
TOKEN BALANCE CHANGES · USDC3 transfers
ava.sol7Bx2…q9F−29.14
marco.sol3pQ9…mZ1−29.13
priya.solKv7R…2qF−29.13
your walletD1vY…wA7+87.40

Integer-cents. Every share sums to the total exactly — the odd cent lands on someone, never lost to rounding.

PROGRAM LOG · CHECKS PASSED
✓no tokenplain USDC — nothing minted to pump
✓no spreadrate passed through untouched
✓no custodywallet → wallet — Divvy never holds funds
✓MITopen source — audit every line
07 — THE PART THAT ISN'T MONEY

The bill outlives the dinner.

Nobody falls out over $14. They fall out over $240 — fronted at the airport, remembered at every group dinner since, brought up at none.

Money between friends should vanish the second it's paid — not sit in someone's head for three weeks.

Send the link before the plates are cleared. Settle at the table. Keep the friend.

THE OLD WAY
“i'll get you back!”
$1,204.16
0 DAYS unsettled
SETTLED ✓
WITH DIVVY
USDC · on-chain
$1,204.16
cleared · 20:41 · same night