Splitva is a voice-powered group expense splitting agent built as a Farcaster miniapp on Celo. Users speak naturally — "Dinner was $90, split with @alice and @bob" — and the AI agent handles everything: transcribing the voice input, resolving Farcaster usernames to real wallet addresses, calculating each person's share, and creating the bill on the Celo blockchain in one tap. Participants can then settle their share either by voice ("pay my share") or manually through the app. Every step has both an AI-powered path for speed and a manual path for control, making Splitva accessible to both crypto-native users and newcomers. No typing wallet addresses, no spreadsheets, no chasing people for money.
Splitva's mission is to make on-chain group payments as natural as having a conversation — bringing voice-powered, AI-driven expense splitting to everyday Farcaster users on Celo, so that stablecoin payments finally become the default way people settle shared expenses in the real world.
Splitting bills in groups is universally frustrating — and in crypto, it's even worse. Typing long wallet addresses is error-prone and tedious on mobile. Traditional apps like Splitwise require manual entry and never actually move money on-chain. Crypto payment apps require technical knowledge most everyday users don't have. Group chats on Farcaster, Telegram, and WhatsApp have no native way to split and settle expenses on-chain. And when it comes to collecting payment, organizers have no automated way to request and track who has paid. The result is that even crypto-native users default to cash or bank transfers for splitting bills, defeating the purpose of having on-chain stablecoins designed for everyday payments.
Splitva solves this with a dual-path AI agent approach — every feature works by voice for speed, or manually for control.
Creating a bill:
The user speaks naturally, the AI transcribes and parses the expense, automatically resolves @farcaster usernames to wallet addresses, calculates each person's share, and speaks a confirmation back. The user reviews the parsed bill and taps "Create on Celo" — the agent executes the smart contract call directly with no form filling needed. If the user wants more control, they can tap "Review" to edit the pre-filled form before submitting.
Settling a share:
Participants open the bill, see exactly what they owe, and can pay by tapping the floating voice orb and saying "pay my share" — the agent executes the two-step ERC20 approve and payShare transaction automatically. Alternatively, they can tap the "Pay" button for the traditional manual flow. Once all participants have paid, the organizer withdraws the collected funds in one tap.
Built on Celo for sub-second finality and near-zero gas fees, using Mento stablecoins (cUSDm, cKES, cREAL, cEUR) for price-stable payments, and distributed through Farcaster so it reaches real users who already have wallets.
Splitva operates on a freemium model with multiple revenue streams: 1. Protocol Fee (Primary) A small percentage fee (0.5–1%) on each settled bill, collected at the smart contract level. At scale, with thousands of daily group expenses settled on Celo, this becomes a sustainable on-chain revenue stream with no payment processor needed. 2. Premium Features Free tier covers core bill splitting and settlement. A paid tier unlocks: Multi-event balance tracking ("Bob still owes $25 across 3 dinners") Telegram and WhatsApp bot integration for group chats Expense history and analytics Custom split templates for recurring group expenses 3. Currency Conversion Spread When users split bills across different Mento stablecoins (e.g. one person pays in cKES, another in cUSDm), Splitva earns a small spread on the conversion via Mento's exchange protocol. 4. B2B / Group Integration White-label the Splitva agent for restaurants, travel companies, and event organizers who want to offer built-in group payment splitting to their customers. The core product remains free to drive adoption — the protocol fee activates automatically at volume, making Splitva revenue-positive without requiring users to pay upfront.
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