Split Expenses
Like Never Before
Premium expense splitting for Telegram. AI-powered tracking, instant blockchain settlements, dark theme, haptic feedback, and immersive fullscreen design. The most beautiful way to manage group expenses.
13 Premium Features
Everything you need for a delightful expense-splitting experience
AI-Powered Smart Insights
Get personalized spending insights powered by OpenAI. Understand where your money goes with intelligent analysis, trend detection, and recommendations.
Natural Language Processing
Just type "I paid $50 for dinner" and AI automatically categorizes and splits the expense. No forms, no hassle. Voice commands supported.
TON Blockchain Settlements
Settle debts instantly via TON wallet. Support for TON and USDT with verified blockchain transactions. Non-custodial—you control your funds.
Beautiful Analytics Dashboard
Stunning charts and breakdowns show spending by category, group, and person. Export reports, visualize trends, make smarter financial decisions.
Smart Settlement Detection
Paid expenses automatically mark as settled. Bilateral debt tracking ensures perfect accuracy. Crystal clear view of active vs. completed expenses.
Send Invoice Feature
Generate secure payment links with one tap. Send invoices via Telegram with 48-hour auto-expiration. Track payment status in real-time.
Multi-Currency Support
Track expenses in USD, EUR, RUB, KZT, GBP. Perfect for international trips, remote teams, and cross-border collaborations.
Smart Caching & Performance
AI insights cached intelligently to improve speed and reduce costs. Lightning-fast loading. Automatic cache invalidation on data changes.
Native Telegram Integration
Fully integrated bot and mini-app. Everything happens inside Telegram—no extra apps, no separate accounts, no friction.
Auto Dark Theme
Automatically switches between light and dark themes to match your device settings. Beautiful, immersive design that's easy on your eyes.
Fullscreen Immersive Mode
Seamless iOS experience with dynamic island support. Safe area optimization ensures nothing gets hidden behind notches or system UI.
Built-in Help & FAQ
Comprehensive in-app FAQ answers all your questions. Learn how debt calculations work, how to split expenses, and troubleshoot issues instantly.
Haptic Feedback
Tactile responses when you add expenses, settle debts, or make payments. Premium mobile UX that feels responsive and delightful.
Your Data, Your Control
Enterprise-grade security infrastructure protecting your financial data
End-to-End Encryption
All data encrypted in transit using HTTPS/TLS. Your expenses stay private.
Non-Custodial Wallets
We never store private keys or seed phrases. You maintain full control of your crypto.
GDPR & CCPA Compliant
Full compliance with EU GDPR and California CCPA privacy regulations.
JWT Authentication
Secure token-based authentication with Telegram WebApp verification.
Data Integrity Checks
Built-in constraints prevent balance inconsistencies and data corruption.
No Data Selling
Your data is never sold to third parties. No ads, no tracking, no compromises.
Rate Limiting
Advanced rate limiting protects against abuse and ensures fair usage.
Regular Security Audits
Continuous monitoring and security reviews keep your data safe.
How It Works
From zero to splitting expenses in under 60 seconds
Add to Group
Search @settlerx_bot in Telegram and add it to your group chat. Give it admin rights for automatic tracking.
Track Expenses
Message "I paid $50 for groceries" or use voice commands. AI categorizes and splits it automatically among members.
View Insights
Open the mini-app to see beautiful charts, AI-powered insights, and exactly who owes what in real-time.
Settle Instantly
Connect your TON wallet and settle debts with one tap. Or send an invoice link. Expenses auto-mark as settled.
Enterprise Technology Stack
Production-grade infrastructure designed for scale and reliability
🚀 Node.js + TypeScript
Type-safe backend with enterprise-grade Express framework
⚛️ React + TypeScript
Modern, performant frontend with full type safety
🐘 PostgreSQL + Prisma
Battle-tested database with type-safe ORM and migrations
🤖 OpenAI GPT-4
State-of-the-art AI for categorization and insights
💎 TON Blockchain
Fast, scalable blockchain for instant settlements
📱 Telegram Mini Apps
Native integration with 900M+ Telegram users
☁️ Railway + Cloudflare
Auto-scaling infrastructure with global CDN
🔐 JWT + HTTPS/TLS
Industry-standard authentication and encryption
Built for Modern Teams
Everything you need, nothing you don't—designed for the way people actually work
Voice & Text Commands
Just say or type what you spent. AI handles categorization, splitting, and calculations automatically. Expense tracking has never been this natural.
Zero Learning Curve
If you use Telegram, you already know how to use Settler. No tutorials needed. Start tracking expenses in seconds, not hours.
Auto-Sync Everything
Add the bot once and it automatically tracks all group expenses. Real-time sync across all devices. Never miss a transaction.
Beautiful Design
Premium UI with purple gradient theme. Smooth animations. Intuitive interface that feels native to Telegram. Design that users love.
Lightning Performance
Smart caching, optimized queries, and CDN delivery ensure instant loading. Global infrastructure for low-latency access anywhere.
Accurate Balance Tracking
Bilateral debt calculation with decimal precision ensures perfect accuracy. Settled expenses deactivate automatically. Always know exactly who owes what.
Ready to Split Smarter?
Join thousands of users already tracking expenses effortlessly with Settler