Track
Every cent, on both phones.
Add a debt in two taps and it appears for both of you at once. No screenshots of a bank app, no scrolling back through a group chat to work out who paid for the surfboards.
- Debts logged against a person, not a note to self
- Both sides see the same number, always
- Your net position sits at the top of the home screen
Settle
One payment, not six.
You owe Thabo, Thabo owes Lerato, Lerato owes you. Setld cancels the loop and leaves the single payment that actually needs to happen. Everybody settles, nobody does the arithmetic.
- Circular debts netted off automatically
- Settle from your Setld wallet in one tap
- No bank details change hands, ever
Split
Photograph the bill. Done.
Setld reads the receipt, itemises every line and totals per person as you assign items. The wine you did not drink stays off your share, and nobody has to argue about it at the table.
- Line-by-line itemisation from a photo
- Tap an item to assign it to a face
- Split evenly instead, if that is easier
Groups
Trips, flats and teams.
Shared costs with a settle-up plan built in. Groceries, Wi-Fi, DStv, the beach house deposit. Everything in one place with a running total per person, so the group settles once instead of chasing all month.
- A group for every trip, flat or team
- Running total per person as costs land
- One settle-up when it is time to close the group