The operating system for collaborative living
Save together, spend together, and invest together. Split costs, pool money, run community savings circles, and share resources with people nearby or around the world.
One engine, four ways to collaborate
Every collaboration on CoSplitz falls into one of four modes — use whichever fits what you're sharing.
Split
Classic cost splitting
Rides, groceries, meals
Pool
Contribute to a shared goal
Generators, wedding gifts, event funds
Cycle
Rotating savings — Esusu / Thrift
10 users, $100/mo, $1,000 payout each round
Share
Usage-based sharing
Car rentals, equipment, Airbnb nights
Meet the CoSplitz Intelligence Engine
AI finds your collaborations, protects your money, and keeps stranger-based splitting safe.
Smart Matching
AI finds nearby users looking to split the same thing and suggests forming a bubble together.
TrustRank & Fraud Detection
Every user gets a trust score from payment reliability and KYC strength, while AI flags suspicious accounts and patterns.
Savings Coach
See exactly how much you've saved this month and where the next opportunity to save is.
AI Concierge
“Find people near me to share a box of yam” or “Create a thrift cycle for 8 people.” Just ask.
Esusu & Thrift circles, built in
Rotating savings groups are second nature to Africa, Asia, and immigrant communities everywhere. CoSplitz brings that trust system online — with KYC, reliability scoring, and escrow locks protecting every round.
- Fixed rotation — members are paid out in sequence
- Auction rotation — bid for an earlier payout
- Random rotation — lottery decides payout order
Monthly contribution
$200
Payout per round
$2,400
Split anything worth sharing
If it can be shared, it can be a collaboration.
KYC verified
Identity verification before any high-value collaboration.
Escrow-backed
Funds are held in escrow until the split or payout completes.
Fiat & crypto
Pay by card, bank transfer, wallet, or stablecoin.
Hyperlocal or global
AI adjusts your discovery radius by category — 2km for food, global for thrift.
Collaborate inside communities you trust
Join a Community Pod and split, pool, and save with people who already share your context.
Ready to split, pool, and save smarter?
Create your first collaboration in minutes — CoSplitz handles the trust, the escrow, and the math.