Split Expenses With
Any Crypto
Like Venmo, but everyone pays with what they have.
No more chain confusion. No more stuck payments. Just simple splits.
Meet Jake
Early crypto adopter • Splitting dinner with friends
Jake and his friends all use crypto, but everyone's on different chains. Splitting a simple dinner bill becomes a nightmare.
Everyone's on Different Chains
Jake's group chat after dinner:
- • Sarah: "I only have SOL"
- • Mike: "Send me your ETH address"
- • Lisa: "I'm on BNB Chain"
- • Tom: "How do I switch networks??"
What should take 30 seconds becomes a 20-minute group chat disaster. Someone always ends up paying more or getting stuck.
😤 Simple splits shouldn't require a blockchain degree
Jake
"Dinner was $120. Each person owes $30"
Sarah
"Send me your Solana address"
Mike
"I only have ETH..."
Jake
"Uh... I don't have ETH wallet"
Lisa
"Can you take BNB?"
Tom
"How do I switch networks in MetaMask??"
Sarah
"This is too complicated. I'll Venmo you."
20 Minutes Wasted
For a $30 payment
Network Switching is Intimidating
Most casual crypto users don't know how to:
- • Switch networks in their wallet
- • Add custom RPC endpoints
- • Bridge tokens between chains
- • Check if they have gas on the right chain
For small amounts like splitting dinner, this complexity makes crypto payments feel broken. Why bother when Venmo exists?
🤯 Technical barriers kill casual crypto payments
Tom's Wallet Confusion
"Open MetaMask... which button?"
"Switch to... Polygon? BSC? Which one?"
"Add custom RPC? What's an RPC??"
"Insufficient gas on this network"
"Forget it. I'll just PayPal you."
Crypto adoption: -1 person
Friction > Value
For small everyday expenses, the hassle isn't worth it:
- • Splitting a $30 dinner takes 20 minutes
- • Manual swaps add complexity and fees
- • No way to track who paid or who owes
- • Easier to just use traditional apps
Crypto payments should be easier than traditional methods, not harder. Right now, they're not.
⚖️ When friction exceeds value, people abandon crypto
Friction vs Value
$30
Amount owed
Time & Effort Required:
= Not worth it
Result: People give up on crypto
Jake goes back to Venmo...
He wanted to use crypto for everyday payments, but it's just too complicated. Until crypto feels as easy as traditional apps, adoption won't happen.
Why Current Tools Don't Work
Direct Wallet Payments
Requires same chain, same token. Incompatible wallets = payment fails. No tracking of who paid.
Manual On-Chain Swaps
Too technical, adds friction, requires gas on multiple chains, confusing for casual users.
Venmo / PayPal / CashApp
No crypto support, centralized, requires bank accounts, high fees, limited international reach.
Other Crypto Payment Apps
Single-chain only, no cross-chain support, poor UX, no payment tracking, no request system.
Crypto Payments as Easy as Venmo
One link. Everyone pays with what they have. You get exactly what you requested. Simple tracking. No blockchain degree required.
Pay With Any Crypto
Friends pay with whatever they have, ETH, SOL, BNB, USDC, any token on 45+ chains. You receive your requested token automatically.
✨ Result: No more chain confusion or stuck payments
Track Who Paid
See exactly who paid and who still owes. No more group chat chaos. No more forgotten payments. Simple dashboard shows everything.
✨ Result: Know who owes at a glance
Zero Technical Knowledge
Friends don't need to know anything about chains. They just click the link, choose their token, and pay. That's it.
✨ Result: No more tech support for your friends
One Link, Multiple Payments
Create one payment request. Share it in the group chat. Everyone clicks and pays. You receive everything in your chosen token.
✨ Result: Splits in seconds, not 20 minutes
Perfect for Small Amounts
Whether it's $5 coffee or $50 dinner, the process is equally simple. Low friction makes crypto usable for everyday life.
✨ Result: Crypto for daily use, not just big purchases
Share Anywhere
Send the link in group chats, messages, emails. Works on mobile and desktop. Even generate a QR code for in-person splits.
✨ Result: Works everywhere your friends are
See Jake's Split Payment Flow
Watch how Jake splits a dinner bill with friends - everyone pays with what they have.
Creating Split Request
Jake just paid for dinner with 3 friends - $120 total. Each person owes him $30. He creates a payment request for 30 USDC on Polygon. Takes 10 seconds. No more awkward money conversations!
Create Split Payment Request
Total: $120 ÷ 4 people = $30 each
Perfect For Everyday Splits
Any time friends need to split expenses in crypto, Cloakd makes it feel natural.
Dinner & Drinks
Split restaurant bills, bar tabs, or food delivery. Everyone pays their share with any token they have.
Gas & Rides
Road trips, ride shares, or gas money. Request your share and let friends pay however they want.
Travel Expenses
Split Airbnb, flights, or vacation costs. Everyone contributes with their preferred crypto.
Event Tickets
Bought tickets for the group? Send a payment request and collect everyone's share easily.
Small Loans
Lent a friend money? Create a payment request they can pay back in any crypto they have.
What Early Adopters Say
"Finally! My friends can pay me back without me explaining chains. Dinner splits work now."
"Split Airbnb costs with 5 friends, all using different chains. Received everything in USDC. Perfect."
"Collected ticket money from 10 people. Everyone paid different tokens. I got ETH. Game changer."