Splitwise was yesterday, meet borch.
borch is the easiest way to manage group expenses using stablecoin.
borch. is a group payment app that lets friends and communities manage shared expenses using stablecoins.
Whether you’re:
• Sharing the bill at dinner
• Splitting a Netflix subscription
• Traveling as a group
→ borch. gives you a *shared virtual card, keeps track of **who paid what, and settles everything *instantly with USDC.
No crypto knowledge needed.
Just sign in with Google, get a wallet and your own ENS name, and start paying together.
We use Dynamic to make sign-up feel like a familiar Web2 app:
• Log in with Google — no wallet extensions, no seed phrases
• Embedded, gasless wallets created instantly
• Smooth account abstraction hides all blockchain complexity
Every user gets a unique ENS subname (like alice.borch.eth ):
• No more copying wallet addresses
• Use your ENS name to send/receive payments inside the app
• Profile pictures and metadata added through ENS text records
Each group gets a secure virtual card:
• Card is generated in a TEE using ROFL
• Details are encrypted and stored on Oasis Sapphire
• Only verified group members can access and use it
• On-chain spending is visible, but sensitive data stays private
• TEE also tracks all group spending and settlements securely
We use Circle’s Cross-Chain Transfer Protocol (CCTP) for native USDC settlement:
• Native USDC across chains — no bridges, no wrapping
• Fast, low-cost, and final transactions
• Group members can repay from any supported chain
With *shared virtual cards, **stablecoin transfers, and *built-in privacy,
borch. makes group payments simpler, faster, and more flexible than traditional tools like Splitwise.