Split Bills.
Pay On-Chain.
SettleX is the easiest way to split group expenses and pay each other directly over the Stellar Network — transparent, instant, and trustless.
2,000+ early users
Group Dinner · tonight
Active1,200 XLM
Split 4 ways · Equal
TX Confirmed · Ledger 47,291,034
0xabc1…f324 · 300 XLM to Aman
Built on open, trusted protocols
Total Settled
On Stellar Testnet
Active Groups
Across 40+ countries
Transactions
All publicly verifiable
Average Finality
Stellar consensus speed
Built for real group expenses,
settled on-chain.
Every feature designed around the actual pain of splitting bills — with the transparency and security of Stellar blockchain.
Equal & Custom Splits
Split any expense equally or set custom weights per person. Supports any number of participants with 7-decimal XLM precision.
Instant Stellar Payments
Pay directly via the Stellar Network with ~5 second finality. No intermediaries, no waiting — money moves at blockchain speed.
QR Code Payments
Generate SEP-0007 compliant QR codes for each payment. Any Stellar-compatible wallet can scan and auto-fill the transaction details.
On-Chain Receipts
Every transaction includes a memo permanently recorded on the Stellar ledger — an immutable, transparent receipt for every payment.
Auto Settlement
Minimize the number of transactions using our net-balance algorithm. 5+ individual payments can be reduced to a single transfer.
Trip Mode
Group multiple expenses under a single trip. Add members, track all costs, and generate one final settlement for the whole journey.
Non-Custodial & Trustless
Your private keys never leave your wallet. Powered by the Freighter browser extension — SettleX never holds your funds.
Freighter Integration
Connect with one click using the Freighter wallet extension. Full Stellar network support with testnet and mainnet switching.
How SettleX
works
From wallet connect to on-chain confirmation — the entire flow takes under a minute.
Connect Your Wallet
Install the Freighter browser extension and click Connect. Your public key is fetched instantly — no email, no password.
Create an Expense
Add the total amount, list your group members, and choose equal or custom split. SettleX calculates each person's share to 7 decimal XLM precision.
Pay via Stellar
Each person clicks Pay. Freighter pops up with transaction details — destination, amount, and memo. One confirmation and funds move in seconds.
Transparent Receipt
Every payment generates a unique transaction hash permanently recorded on the Stellar ledger. Click to verify on Stellar Explorer.
Data Flow
Avg TX Fee
0.00001 XLM
~$0.000002
Settlement Time
~5 seconds
Stellar Network
TX Precision
7 decimals
Native XLM
Network
Testnet
→ Mainnet ready
Transparency isn't a feature.
It's the foundation.
Every transaction on SettleX is permanently recorded on the Stellar ledger. No central server. No hidden fees. No trust required — just math and cryptography.
100% Non-Custodial
Your private keys never touch our servers. All signing happens inside Freighter on your device.
Stellar-Native Speed
5-second transaction finality. The Stellar consensus protocol settles payments faster than traditional finance.
Borderless Payments
Anyone with a Freighter wallet and XLM can participate — no bank account, no geography limits.
Immutable Receipts
Every payment memo is permanently on-chain. No one can delete or alter the record of who paid whom.
Transaction
4f3a892c...8e2f1d20
Publicly verifiable
Anyone with the TX hash can verify this payment independently
Real people. Real settlements.
From group trips to shared apartments — see what our early community is saying about SettleX.
“Finally a bill-splitting app that doesn't require me to trust a random backend. Everything settles on-chain, the QR codes work perfectly with my wallet. SettleX is exactly what Web3 UX should look like.”
Rahul Sharma
Stellar Developer · @rahulsharma_dev
“Used SettleX for our group trip to Goa. 6 people, 22 expenses — it auto-settled everything into 3 transactions. The Stellar fees were basically zero. Can't go back to Splitwise after this.”
Priya Menon
DeFi Enthusiast · @priyam_crypto
“The on-chain memo system is clever. Every receipt permanently lives on the Stellar ledger — I clicked the TX hash to verify it myself. For crypto-native users, this is the bill-splitting app.every receipt permanently lives on the Stellar ledger”
Alex Donovan
Blockchain Engineer · @alexd_blockchain
“The design is incredibly clean. Cards feel premium, the lime accent is distinctive, and the Freighter integration is seamless. I shipped this to my whole friend group and they love it.”
Sam Chen
Product Designer · @samchen_xyz
“Group trip settlements used to cause drama. With SettleX's auto-settlement algorithm, our 8-person trip needed only 2 transactions. The transparency kills any arguments about who paid what.”
Nisha Patel
Crypto UX Researcher · @nisha_stellar
“Built on Stellar so fees are negligible. Non-custodial so I keep my keys. QR codes so my non-crypto friends can pay too. This is the holy trinity of good crypto UX.”
Dev Kapoor
Web3 Founder · @devkapoor_web3
Transparent like the blockchain.
SettleX charges zero platform fees. You only pay the tiny Stellar network fee — currently less than $0.000002 per transaction.
Everything you need to split bills with your group on Stellar Testnet.
Get Started- Unlimited expenses
- Up to 20 members per group
- Equal & custom splits
- QR code payments
- On-chain receipts
- Trip mode
- Auto-settlement algorithm
- Stellar Explorer links
Same app, real XLM. Settle real expenses with real payments on Stellar Mainnet.
- Everything in Free
- Stellar Mainnet support
- Real XLM payments
- ~0.00001 XLM network fee
- No SettleX platform fees
- Full Horizon API access
- Immutable mainnet receipts
- Priority Freighter support
* Stellar network fee: 100 stroops (0.00001 XLM) per transaction, paid to the Stellar validators. SettleX charges nothing.
Stop chasing friends
for money owed.
Connect your Freighter wallet, create an expense, and let Stellar settle it in seconds. No middlemen, no drama.