Three facts.
One window.
↳ 01
Splitwise has broken its own product.
In 2026 Splitwise capped the free plan at 3–5 expenses a day and added interstitial ads. Pro costs $4.99/month. Reviews have been sliding since the change. The window for alternatives has been open all year.
↳ 02
Stablecoins are ready for P2P.
USDC on Solana settles in under a second, with fees of $0.001. Embedded wallets make login invisible. The technical friction that killed this kind of app in 2022 no longer exists.
↳ 03
Venmo still doesn't do a shared pot.
Splitting a six-person trip is fifteen separate requests, a 1.75% fee to get your money out instantly, and nothing that works across borders. Tab is one pot, one tap, anywhere.