Transactional Wallet for Group Payments & Settlement
Divy is a financial technology platform for group-based money movement, expense settlement, and user-directed transfers. Most apps stop at tracking—Divy gives groups structured settlement cycles, in-app payment flows, and shared accountability so owed amounts move toward resolution, not idle storage.
Splitwise records the debt. Divy resolves it.
Expense Tracking Solved One Problem. Not The Important One.
Splitwise proved people want shared expense tools. But recording who owes what is only half the job. The harder part is getting groups to actually settle.
Owed amounts pile up
Tracking exists, but nobody knows when settlement is supposed to happen.
Payments happen elsewhere
Users leave the app for Venmo or Zelle and the financial loop breaks.
No structure, no accountability
Without a cycle or due window, repayment depends on awkward reminders.
Tracking is not resolution
Bookkeeping alone does not turn debt into completed settlement.
Divy Is Built Around Resolution
Settlement is not something users have to remember to do. Divy gives groups structure around when and how money gets resolved.
Structured Settlement Cycles
Groups define when a cycle closes and when payment is due before IOUs pile up without a clear deadline.
Native Payments Inside Divy
When a cycle closes, members settle directly in the app instead of jumping to another payment service.
Group Accountability
Visible reputation incentives make it clear who pays on time without forcing uncomfortable conversations.
How Divy Intelligent Settlement Works
Five roommates, six IOUs. Without netting, that's six Venmo payments. Divy finds the minimum.
Everything Needed To Get Money Resolved
Divy combines recording, deadlines, payment, and accountability so groups can move from expense to resolution in one place.
Custom Settlement Cycles
Run weekly, monthly, semester, or trip-based settlement windows that match how your group actually lives.
Settlement-Focused View
Amounts due are organized around what needs to be paid next—transactional settlement, not a place to store funds.
Native In-App Payments
Send, receive, and settle inside Divy instead of sending everyone out to another app.
Shared Accountability
Make payment status visible so groups stay aligned without awkward reminders.
Divy Score
On-time payment behavior becomes a visible trust signal across the group.
Web + Mobile Continuity
Manage groups and settle from anywhere with one connected experience.
Tracking, Payments, And Accountability In One System
Splitwise helps you keep score. Venmo helps you move money. Divy connects both and adds the missing structure in between.
| Feature | Splitwise | Venmo | Divy |
|---|---|---|---|
| Expense Tracking | |||
| Native payments | |||
| Multi-Period Settlements | |||
| Group accountability layer |
Loved By Groups Who Need Resolution
“We used to argue about money every month. Now our settlement window closes, everyone pays in Divy, and we are done.”
Marcus Chen
4 roommates, Austin TX
“Splitwise told us who owed what. Divy actually gets us paid. Having one place for settlement amounts and in-app payment changed everything.”
Sarah Mitchell
Travel group, Denver
“Our house of 12 used spreadsheets. It was a nightmare. Divy gave us structure, deadlines, and a clear way to settle without constant chasing.”
Jake Torres
Fraternity treasurer, Ohio State
A Complete Shared-Money Workflow
Divy gives groups a repeatable rhythm for shared money, from expense capture to completed payment.
Set a cycle
Choose when the cycle closes and when payment is due
Track expenses together
Log shared costs as they happen across the group
Review what is owed
Everyone sees the same settlement picture and status in one place
Pay inside Divy
Close the loop without leaving the app
Move From Balances To Resolution
Join groups replacing passive tracking with structured settlement cycles, native payments, and shared accountability.
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