Budget Buddy Wallet-native group settlement
Wallet-native shared expenses

Split costs. Settle clearly.

Budget Buddy is a modern shared expense companion for groups that split costs, request reimbursements, and track who owes what through a calm, wallet-native dashboard.

See how it works View proof points
01 · The problem

Group money gets messy fast.

Organizers front the cost

Trips, events, roommate purchases, and small group plans often start with one person paying first, then chasing the group later.

Requestees need confidence

Members need clear context, exact allocation, current status, and confidence that the amount or outcome will not silently change.

Wallet-native groups need better UX

Crypto-native groups want wallet identity, stablecoin settlement, transaction status, and chain clarity without feeling like they are using a raw contract console.

The dashboard should answer one question

What do I owe, who owes me, and what happened to each request?

02 · Product position

Shared expenses with a clean settlement loop.

One place for the group tab

Budget Buddy turns a messy reimbursement thread into a shared workspace: create a group, add an expense, pick who is included, and keep every member aligned on what is still open.

  • Wallet-native group invites.
  • Clear per-member allocation before anyone pays.
  • Open, paid, and rejected states visible at a glance.
New split · Weekend house
Grocery run
Total256.80 USDC
Alex 64.20 Maya 64.20 Noah 64.20
Ready to send

4 members selected

Everyone sees the same request status.

03 · Demo dApp preview

A polished product surface for group settlement.

04 · Directional signals

The behavior is familiar. The settlement layer is changing.

Estimated bill splitting / expense management market in 2026~$708MWith roughly 7% annual growth.
Estimated Web3 payments market in 2026$13.96BProjected growth creates room for focused settlement tools.
Global crypto owners560M+A broad base already understands wallets and tokens.
Splitwise users30M+Existing demand for shared expense coordination.
First proof milestone10 groupsLive groups completing request-to-settlement cycles.
Readiness bar<5 minGroup creation to USDC settlement without support.

These numbers are market context, not product guarantees. Budget Buddy stays focused on one concrete loop: create a group, split a real expense, track status, and settle clearly.

05 · Core flow

Fast enough for the moment money changes hands.

1

Create group

Connect a wallet, name the group, choose the settlement token, and invite members.

2

Split request

Add amount, context, and members. Equal split by default, adjustable before sending.

3

Respond

Members review the request and either pay, reject, or leave it pending while the group stays in sync.

4

Settle

Everyone can see what changed, what remains open, and which expenses are complete.

Create split · Group trip
Dinner after showReceipt, note, and group context
170.00
Included membersEqual split, adjustable before sending
AlexMayaNoahJules
Each member sees before responding 42.50 USDC
Live status · Dinner
MayaPaid from dashboard
NoahRequest still open
Pending
AlexReason visible to organizer
Rejected
06 · Trust model

Calm wallet UX for group money.

Organizer

Gets fast setup, clear member allocations, and a receivables view that shows who has paid, rejected, or still owes.

Requestee

Sees the amount, requester, and current status before deciding what to do next.

Crypto-native group

Gets wallet identity, token clarity, and transaction-aware status without making every member parse raw blockchain tooling.

Request status · Dinner split
Maya paid Settled 42.50 USDC · 2 min ago
Noah pending Reminder visible in group dashboard
Alex rejected Reason shared with organizer
07 · Proof points

A focused launch path, measured by completed splits.

What good looks like

  • Create a group and invite members in under 2 minutes.
  • Create and split an expense in under 60 seconds.
  • Dashboard answers: what do I owe and who owes me?
  • Mobile-friendly flows for quick group and request management.

Early traction plan

Start with small groups that already understand wallets and need a cleaner reimbursement loop.

  • 10 live groups complete request-to-settlement.
  • Group creation to settlement in under 5 minutes.
  • Expand only after the core loop feels obvious.