Pre-launch · India, Canada and the United States first
Pennypact keeps one clear record of shared money — who paid, who owes, who's settled — and prepares the payment request in the form your own payment app expects. The money goes straight from you to them.
No bank login. Pennypact never connects to your bank.
Send a note to hello@pennypact.com with "Waitlist" in the subject and the country you're in. We use your email once, to tell you when Pennypact opens where you are. How we handle it.
Request a payment
Nobody wants another notification from another app. So the request lands in the thread you're already in — iMessage, WhatsApp, Telegram, plain SMS — written, itemized and with the amount in it. You review it and press send.
Written for you to review
The amount, the breakdown and the link travel together, so nobody has to ask what it was for.
Settle up
Every payment app is different. Some carry the amount in a code; most need you to paste it in. We prepare the request the way your app expects, and we're honest about which is which.
Best case · scan and approve
PlannedSome payment apps read a code that carries who gets paid and how much. You scan it in your own app, check the name and the amount, and approve. Nothing to retype.
Where a UPI app supports it, a request can open the app with the amount already filled in. You still approve with your PIN.
Common case · copy and paste
PlannedMost payment apps don't let another app start a payment, so we don't claim otherwise. We hand you the recipient, the amount and a reference as separate copy buttons.
Apple Cash, Venmo and Cash App give no supported way to prepare a payment, so those stay copy-and-paste too.
Later · on-chain, when it's ready
ResearchingOne day a stablecoin transfer from a wallet you control could close a settlement by itself, once the network says it's final. We're researching it. It isn't part of the first release.
Checking records on-chain is a different thing and works from day one. It needs no wallet from you; we pay for publishing.
Where you live
Payment habits differ by country, and so does what an outside app is allowed to prepare. Pick a country to see the flow, and the honest word next to each payment app: Available, Planned, Researching or Not offered.
India · first wave
Most people in India pay each other with UPI. A UPI request can carry who gets paid, how much and a note, so nothing has to be retyped.
₹16,800.00
Your 35% of the rent Mira fronted, formatted the way people write money in India.
IMPS and NEFT bank transfers are prepared the same way, as details you paste into your bank's app.
Canada · first wave
Most Canadian bank accounts can send money to an email address or phone number. No outside app is allowed to start one, so we don't pretend to.
$840.00
Your 35% of the rent Mira fronted, formatted the way people write money in Canada.
We can't see inside a Canadian bank and haven't asked to. You confirm you sent it; she confirms it arrived.
United States · first wave
Americans split between several apps. Zelle moves money bank to bank; the others hold a balance for you. None of them let an outside app start a payment.
$840.00
Your 35% of the rent Mira fronted, formatted the way people write money in United States.
Apple Cash, Venmo and Cash App give no supported way for another app to prepare a payment. You can still pay with them and mark it as sent; we just don't prepare the request.
Brazil · on the research list
Pix works around the clock and a valid code can carry the recipient and the amount. When the payment app is this good, a split app's only job is to prepare the request properly.
R$ 1.260,00
Your 35% of the rent Mira fronted, formatted the way people write money in Brazil.
Brazil is on our research list, not in the first wave. The formatting is already right, though: R$ 1.260,00, not $1,260.00.
Europe · on the research list
Spain reaches for Bizum, Sweden for Swish, Switzerland for TWINT; most of the rest paste an IBAN. The European Payments Council even published a code format for this.
700,00 €
Your 35% of the rent Mira fronted, formatted the way people write money in Europe.
Europe is on our research list, country by country. None is in the first wave.
Split rules
Rent is R$ 3.600,00 in the São Paulo example and Mira fronted it. Move the shares. In a real pact, everyone approves a change before it takes effect.
R$ 1.260,00
is yours to send Mira. We prepare it in the form your payment app expects.
Pact kinds
People agree how it splits, Pennypact keeps the record and prepares the payment request. A shared home, a trip, a loan and a group gift come first; the rest follow as they're ready.
The default pact. Rent, utilities, the streaming logins and the weekly shop, on shares everyone agreed, clearing on the day you picked — month after month, without anyone re-entering it.
Nine people and no signal on the mountain. Expenses save on your phone and send when you're back; everyone sees one clear balance and pays the person they owe, on the app those two share.
Money lent between friends, with the amount, the rate and the dates written down and approved by both. Equal payments, equal principal, interest-only, or no interest at all. The math is done for you.
One person buys it, fourteen people owe a share, and the link goes in the group chat once instead of fourteen awkward messages.
Whoever's booking gets paid directly, in installments if people need them. Pennypact keeps the list: who's paid in, who hasn't, what's due when. No pot sitting anywhere — least of all with us.
For the dinner club and the coffee run, where you don't split anything — you take turns. It remembers whose turn it is, and how far off even you've drifted.
Rent prorated to the day, the last bills split, and a clear note of who put in which part of the deposit. Where most shared homes actually go wrong.
Verified record
Every accepted record — an expense, a change to the split rules, a confirmed payment — gets a privacy-blinded on-chain fingerprint, so it can be checked later, not just trusted. You need no wallet and see no gas prompt.
Saved privately
The record is accepted and stored, encrypted, with a privacy-blinded fingerprint.
Published on Base
The fingerprint goes out in a batch we pay for. No names, amounts or descriptions.
Base finalized
The network confirms the batch can't be reordered or dropped.
Checkpointed on Ethereum
Once a day, the day's batches get one durable checkpoint.
Nothing is ever rewritten. A correction is a new version reached through a change request the group approves; a removal is marked, not erased. Each pact's records link to the one before, so a gap would show.
Download the record from any pact you're in and check it against the chain with a verifier you run yourself, using whatever network access you choose. It shows the record hasn't changed since it was accepted. It does not show the expense was fair or that the money moved.
Once checkpointed, a record you kept still connects to Base and Ethereum if Pennypact stops existing. Without your private copy, the public fingerprint reveals nothing about what it stands for.
Publishing to Base and Ethereum runs against test networks while we're pre-launch, and the independent verifier is still being packaged for release. Everything else on this page describes what launches.
What we never do
Pennypact is a record-keeping and calculation tool. Money moves on services you already use, between you and the people you share with. That isn't a limitation we're working around; it's the design.
Pricing
Free stays free for the ordinary record. When a group wants the extras, one person pays and everyone in their pacts benefits. Guests never pay anything.
Free for everyone in the pact, always
The ordinary record, for everyone in the pact.
$0.99 once, for one trip
One purchase covers one whole trip. Not a subscription, and nobody else on the trip pays.
$1.99 a month
or $19.99 a year
One organizer pays; every pact they own gets the extras. Friends and guests never subscribe.
$4.99 a month
or $49.99 a year
For a household: one owner plus five named accounts, and the pacts that come with living together.
These are US prices and they are targets until launch. App stores show the final local price, tax and renewal terms before you buy anything.
Questions
Half of it, and we'll be precise about which half. Pennypact can open Messages with the recipient and the whole message already written: the amount, the breakdown and the link. Apple Cash stays inside Messages and gives no supported way for another app to prepare a payment, so you finish that part there. Same shape for WhatsApp and Telegram: we write it, you send it.
No. We never ask for bank credentials, statement access or an open-banking permission. There is nothing to connect, so there is nothing to leak.
Someone you invite gets a link. With it they can see their share, approve the split rules, open the payment details, mark a payment as sent or confirm one received, and nothing else in the pact. Forwarding the link forwards that same limited access, so treat it like the bill it shows. Guests can't add or change expenses or invite people. They can open a full account whenever they like.
As long as the pact keeps them. Delete a receipt and it is gone after a 15-day undo window. Delete your account and everything of yours, receipts included, is removed after 15 days. Paid plans set how much receipt storage a pact has; the numbers on the Pricing page aren't final until launch.
There is no AI in Pennypact today, so nothing you upload is sent to a model provider. If that ever changes, the privacy notice will name who, where, for how long and how to opt out, before it happens.
On your own payment app, straight from you to them. We prepare the payment request in the form your app expects: a code with the amount inside where the app supports one, or the recipient, the amount and a reference as copy-ready fields. Pennypact is never in the transfer.
It can't send a payment for you; you press send in your own app. It can't see that a transfer landed without one of you saying so. It can't reverse, refund, freeze or recover a payment, because it was never ours to touch. And it can't make anyone pay you.
You tell us. The payer taps "I've sent it", the person receiving taps "Confirm received", and the record shows both. We can't read your bank and don't try to. A request nobody acts on expires after 30 days, with a notice.
India, Canada and the United States come first: UPI, Interac e-Transfer and Zelle, with plain bank transfers alongside. Brazil, much of Europe and twenty-odd other countries are on the research list. The Availability page lists every country and app with an honest word next to it: Available, Planned, Researching or Not offered.
Neither. A loan pact records money lent between two people on terms they both approve, the amount, the rate and the schedule, and does the math. Pennypact never lends, never sets a rate and never takes a cut. Any limits on interest between individuals where you live are yours to follow; we don't give legal or tax advice.
Checking, not paying. Each time a record is accepted, whether an expense, a change to the split rules or a confirmed payment, we save a privacy-blinded fingerprint of it, publish it to Base in a batch we pay for, and once a day checkpoint the day's batches on Ethereum. Anyone in the pact can later download the record and check it against the chain without asking us. Nothing on-chain names a person, an amount or a description, and nobody needs a wallet.
Not today. There is no assistant, agent or automated payer in Pennypact, and no interface for one. If that ever comes, a person will confirm every consequential step, and an agent will never be able to move money, because nothing here can.
That's between the two of you, and we'd rather be honest than pretend otherwise. What you get is a clear, dated record of what everyone agreed and what's outstanding, so the conversation is about a fact rather than two memories. People who opt in get reminders from the pact. We won't chase debts, take sides or freeze anything, because none of it runs through us.
The people, the split rules they all approved, and the record that follows: who paid, who owes, who's settled. A shared home, a trip, a loan between friends or a group gift. Pennypact records and calculates; it doesn't draft legal documents, settle disputes or give legal advice.
No. Checking records on-chain needs no wallet, token or gas from you; we pay for publishing. Pennypact has no coin. Paying with a stablecoin isn't part of the first release. If it ever is, it will be optional, and the record will say the network finalized the transfer rather than pretending a person confirmed it.
Pennypact is pre-launch. The waitlist is worldwide; India, Canada and the United States open first, one at a time as each is ready. Join the list and we'll email you once, when yours opens.
Get in early
Join the list and we'll email you once, when Pennypact opens where you live. India, Canada and the United States come first; the list is worldwide.
Send a note to hello@pennypact.com with "Waitlist" in the subject and the country you're in. We use your email once, to tell you when Pennypact opens where you are. How we handle it.