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By Splito
The value abstraction layer that makes crypto usable for payments
Splito is a settlement platform that bridges the gap between crypto and fiat, making digital assets as simple to use as cash.
Our platform allows individuals and businesses to create and settle payments in multiple currencies, choose how value is displayed, and complete settlements across Stellar-based assets without friction or exposure to asset volatility.
Splito works on top of existing wallets and payment infrastructure to handle the user experience and logic for splitting, settling, and displaying payments. Funds always remain in the user’s own wallet or with their connected provider.
Our value abstraction layer removes the complexity of different assets and currencies by:
Supporting 10+ fiat currencies and 5+ Stellar-based assets
Applying settlement preferences at the split, group, or account level
Resolving a single recipient across multiple chains or currencies without manual input
Key capabilities:
Preference Engine: Automatically applies user, group, or split-level settlement preferences without altering wallet custody.
Direct Address Resolution: Sends to the correct destination without requiring users to search for wallet addresses.
Multi-Asset Support: Works with USD, EUR, INR, and Stellar assets including USDC, EURC, GYEN, ZUSD, XLM, and WBTC.
Current and upcoming offerings:
B2C UX Layer: Mobile-first interface for splitting bills, managing group expenses, and initiating settlements using the user’s wallet.
B2B UX Layer: Expense dashboard for companies operating in both crypto and fiat, with role-based access, reporting, and cross-border payroll tools connected to operational wallets.
API Access: Public API for wallets, merchant platforms, and applications to embed Splito’s settlement features without rebuilding the core logic.
Our goal is to make Stellar-based assets usable in everyday financial workflows for both individuals and companies.
Maybe in the future, but not in this submission
$50.0K
We will consider this submission successful when:
Splito dashboard supports 10+ fiat and 5+ Stellar assets with multi-level preference resolution
B2B expense dashboard is live with at least 2 company pilots
Mobile app launches with 50+ active mainnet users in the first month
Positive feedback from at least one Stellar wallet provider on integration feasibility
All code and documentation published for transparency and developer adoption
We will target two key audiences:
1. Consumers
Launch mobile app with simple, intuitive UX for splitting bills, settling expenses, and sending payments
Partner with community events and local crypto payment adopters to seed usage
Content: educational blog posts, payment tutorials, and social campaigns showing real-life use cases
2. Businesses
Dashboard to early-stage and remote-first companies operating in multi-currency environments
Wallet and merchant partnerships: Provide Splito APIs for embedding split/settlement UX without rebuilding.
Offer white-glove onboarding and API access for corporate expense management
Launch timeline & targets:
IRL events presence and in-person onboarding to folks in web3 community.
Increase activity and engagement on the social channels of local Web3 communities.
Posting on X doesn’t bring much engagement to early accounts. We’ll personally drive outreach on X (Twitter) through the founders’ accounts to build visibility and trust.
Onboard first 2–3 B2B partners via Expense dashboard; run live pilots for expense dashboards.
Expand partner network, open API to external developers.
200+ signups from activity in multiple local web3 communities (we know that X doesn’t help with traction in the early stages). Went on 15+ calls with those who used us. They gave positive feedback from builders & users seeking simpler multi-currency expense handling.
40+ groups created on Splito with 350+ split requests.
Idea validation during the Stellar Kickstart program and local Stellar Builder Houses.
Project timeline: 4–5 months
Deliverables:
End-to-end web dashboard supporting 10+ fiat and 5+ crypto on Stellar
Multi-level preference resolution (split, group, user account)
Email-to-wallet resolution across chains
Improved UX for split creation and settlement flows
Verification:
Public testnet deployment with ability to create, share, and settle multi-currency splits
Demo video walkthrough of flows
Open-source repo for dashboard and preference engine
Budget: $20,000
Deliverables:
B2B expense dashboard with:
Role-based access for company accounts
Expense categorization and filtering
Multi-currency settlements for payroll, vendor, and team expenses
Testnet-compatible reporting & export tools
Verification:
At least 2 companies using the testnet version for simulated expense tracking
Public testnet dashboard available for external testing
Documentation for B2B integration flows
Budget: $15,000
Deliverables:
iOS-friendly mobile app for consumer use cases (split payments, group expenses, direct transfers)
Integration with mainnet Stellar assets and compliant fiat rails where applicable
Production-ready security and compliance checks
Verification:
Mobile app listed on App Store (or via TestFlight for phased rollout)
At least 30 active mainnet users completing settlements within first month
Public mainnet dashboard & API available for B2B partners
Budget: $15,000
Ansh Saxena, Co-founder; ex-Lit Protocol ($100M+) & QuickSwap ($180M+), 18× Web3 hackathon winner, with deep experience in Web3 products, cross-chain infra, and developer tooling.
Sarthak Vaish, Co-founder; ex-Simplifii Labs (built BaaS for 80+ clients), 8× Web3 hackathon winner, specializing in DeFi protocol design, smart contracts, and scaling blockchain products.
Sarthak Vaish
anshss
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