Why Splivo
The 3-act narrative behind the tool.
Act 1 — the problem
Rail-pickup friction is the small ongoing cost of splitting expenses with people you actually like. Different people prefer different payment apps. Group chats turn into receipt-tracking threads no one wants to read. Mental math + tab-tracking on the back of a napkin compounds into resentment over small amounts.
The free tools that exist either hold funds (which we don’t want), upsell aggressively (which we won’t do), or assume one rail (which we won’t pick for you).
Act 2 — the approach
Local-first. The math is ours; the money flow stays in the apps you already trust. Never holds funds. No wallet, no bank, no money services business. User-agency-first. You pick the rail. You confirm each settlement. You own the records.
Then freelancers asked for invoicing, so we added invoicing — same posture, different surface. Send an invoice with line items, generate a public pay-link card, the recipient pays in the app they already trust.
Act 3 — where we are now
Current beta. Honest about pre-v1.0 gates — Apple Developer Program signup, production credentials drop, release keystore generation, real OCR shipped (default = ML Kit on-device), trademark TESS clean check, entity decision finalized. The verifiable narrative of what shipped when lives at changelog. We post what is actually live, not what we wish were live.
No funding round to announce. No “we are revolutionizing” claim. It is one tool, built by people who got tired of running totals on the back of a napkin. If the posture matches what you need, the app is on the Play Store; start with the free tier, decide whether Pro is worth $4.99 once you’ve actually used it.
Want to read more about how we think? Browse the changelog for verifiable narrative.