NetSplit.me: Simplifying Group Expenses and Gatherings

NetSplit.me is a user-friendly way to track and settle group expenses—perfect for vacations, nights out, or any gathering with friends. With the help of Milo, our AI agent, you can easily split bills, manage shared expenses, and ensure everyone pays their fair share.

How It Works

1. **Two ways to use it**
    -MiniPay mini‑app – Open the NetSplit tab inside MiniPay, create a PaymentPool, and settle balances with 
    one tap. No chat bot needed.
    -Milo chat bot – Invite @milo_bot (our squirrel‑mascot AI) to Telegram/Farcaster. Milo logs expenses in plain         
    language and serves MiniPay deep links for instant pay‑back.

2. Create a PaymentPool Contract

   • Give your event any name you like.
   • Identify yourself via Self Protocol and choose your friends.
   • Share the invite link so everyone can join.

3. Track Expenses with Milo

   • Simply tell Milo whenever someone pays for something (e.g., “I paid the taxi: 75 €”).
   • Milo will ask how you want to split it (e.g., “50/50 among all friends”).
   • Milo updates the total sum for the event, so each group member knows exactly what they owe.

4. Settle Up When You’re Done

   • When the event is over, each participant is prompted to settle.
   • Payments go through automatically, with a 1% fee directed to impactful projects (via cEUR/cUSD..), so you help do some good while wrapping up.

Why Use NetSplit.me?

• Seamless Group Collaboration: Perfect for vacations, shared dinners, parties, or work events.
• AI-Powered Expense Tracking: Milo handles the math, so you don’t have to fumble with spreadsheets or manual calculations.
• Decentralized and Transparent: Under the hood, a smart contract ensures trust and clarity—no middleman required.
• Impactful: A small fee from each payment goes towards social impact causes, so you’re doing good while splitting costs.

Ready to stop worrying about who owes what? Add Milo to your group, start a PaymentPool, and let NetSplit.me handle the rest!

Why We Built NetSplit.me + Milo

Splitting expenses with friends can be a hassle—endless receipts, confusing group chats, and the classic “Who owes who?” chaos. NetSplit.me is here to fix that, letting you split and settle bills automatically, right on-chain. With Milo, our AI assistant, you can handle all your group expenses just by chatting in Telegram.

• Easy & Automated
  Ditch the manual math. Milo updates everyone’s share in real time and makes paying back a breeze.

• No Middlemen
  Forget about hidden fees or extra apps. NetSplit.me runs on CELO smart contracts, so everything is transparent and secure.

• Super Low Fees
  By leveraging CELO’s low gas costs, you save money—and a slice of every transaction goes to a good cause.

• Works with Web3 Wallets
  Already on MetaMask, Valora, or another Web3 wallet? No problem. Just connect and go.

• Future-Ready
  With plans for Farcaster integration and multi-chain support, NetSplit.me is primed to evolve with you and your friends.

So the next time you’re splitting a road trip fund, group dinner, or festival tickets, let Milo handle the details—and feel good knowing a part of your payment helps the world around you.

When friends go out together—on trips, for a night out, or even just splitting the cost of a group purchase—tracking and settling shared expenses can be a headache. People rely on manual calculations, random notes, or complicated spreadsheets, leading to confusion and friction.

Key Pain Points

1. Inefficient & Time-Consuming

   • Manually dividing costs is prone to mistakes and requires constant updates.
   • Repeatedly calculating who owes whom wastes valuable time.

2. Lack of Clarity & Transparency

   • Friends often have to trust a single person’s math or memory.
   • Discrepancies can cause misunderstandings, tension, or disputes.

3. High Fees & Limited Options

   • Some payment apps charge fees or don’t operate in all countries.
   • Splitting across multiple currencies or platforms can get complicated.

4. No Unified Record-Keeping

   • Expenses are scattered across chat threads, receipts, or mental tallies.
   • Forgetfulness can lead to overlooked expenses and unpaid balances.

5. Missed Opportunity for Positive Impact

   • Traditional methods of splitting bills only settle balances.
   • There’s no built-in mechanism to do good (like donating a small fee to social causes) during the payment process.

NetSplit.me leverages CELO smart contracts to eliminate the hassles of multi-party payments—no more juggling spreadsheets or trusting a single person’s math. By automating transactions on-chain, NetSplit.me delivers a seamless, low-cost experience for any group looking to split bills transparently and securely.

How NetSplit.me Solves the Problem

1. Fully On-Chain Execution

   • No centralized backend; everything runs via CELO smart contracts for maximum transparency and security.
   • Trustless transactions mean no intermediaries—just straightforward, on-chain payments.

2. Automated Split Payments

   • Define payment rules once, and NetSplit.me handles the rest.
   • Easily split funds among multiple recipients—proportional amounts, fixed sums, or milestone-based triggers.

3. Low Fees with Built-In Social Impact

   • CELO’s low gas fees keep transactions affordable.
   • A portion of each fee goes to social impact initiatives chosen by the community or the payee. Projects like Celo Public Goods and Impact Market UBI pools are supported.

4. Multi-Wallet & Web3 Integration

   • Compatible with MetaMask, Valora, and other Web3 wallets, giving users full financial autonomy.
   • No more switching apps or dealing with rigid payment systems—just connect and transact.

5. Milo: AI-Powered Payments via Telegram

   • Meet Milo, the AI assistant powered by Eliza OS.
   • Seamlessly manage and execute split payments in Telegram, making Web3 transactions feel like a simple group chat.

6. Future-Proof with Farcaster & Multi-Chain Expansion

   • Upcoming Farcaster integration facilitates community-driven finance and social coordination.
   • Expanding to multi-chain environments (starting with Base) broadens accessibility and user freedom.

By combining smart contracts, low fees, and AI-driven convenience, NetSplit.me transforms the way groups handle shared expenses—while supporting social good with every transaction.

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