The social contract of 'I'll pay you back' breaks down constantly. Someone always forgets. Someone always loses.
splitty "I'll Venmo you later."
It's been three weeks.
You covered the bill. They forgot.
The scenario
You put the $340 dinner on your card. Seven people promise to Venmo you their shares. That night: four payments arrive. The next morning: one more. A week later: you send a gentle reminder. One more payment. Three weeks later: you're still owed $95 from two people who "totally forgot." Do you ask again? It feels awkward. You saw them post vacation photos. They can afford $47. But asking feels petty. So you absorb the $95 and make a mental note to never put the bill on your card again. This happens constantly. Research shows that **20% of owed money from informal social debts never gets repaid**. Not because people are malicious—they just forget. Life gets busy. And the clock works against you: payment likelihood drops roughly **30% for each additional week** between dinner and payment. "I'll get you next time" isn't just unreliable—it's predictably unreliable.
20% of social debts never get repaid
$95 left unpaid in this example
30s to send all requests with splitty
The solution
splitty sends Venmo requests the moment the bill is split. Not "later"—now. While everyone's still at the table. Before anyone forgets. You scan the receipt. Assign items. Tap "Send Requests." Seven Venmo notifications go out simultaneously, each with the exact amount and a clear note ("Dinner at Carbone - your share"). Payment happens in seconds, not weeks. No forgetting. No chasing. No absorbing other people's dinners.
Learn more
Never overpay again
30 seconds. Fair splits. No awkward conversations.
