MERGEPAY
Stellar-native settlement

Split bills.
Settle on Stellar.

Mergepay turns shared spending into transparent, auditable, low-fee on-chain payments for friends, roommates, trips, and small communities.

Instant finality Non-custodial Memo receipts
Dinner · split equal37.50 XLM
AAdapaid
KKolaowes 12.50
ZZoowes 12.50
Stellar settlementSEP-10 wallet loginLow feesOn-chain receiptsShared treasuriesAnchor on/off-rampOpen sourceStellar settlementSEP-10 wallet loginLow feesOn-chain receiptsShared treasuriesAnchor on/off-rampOpen source
How it works

From shared bill to on-chain proof in four steps

01

Connect & group up

Sign in with your Stellar wallet via SEP-10. Create a circle and invite friends with a link.

02

Add the expense

One person pays the merchant. Log it, pick equal, custom, or percentage split — Mergepay does the math.

03

Settle on-chain

Each member settles their share in XLM or a stablecoin. The memo links the payment to the exact expense.

04

Track transparently

Every settlement carries a transaction hash and receipt. The group ledger updates instantly for everyone.

Why Mergepay

More than who-owes-who. Real settlement, fully traceable.

Expense circles

Each group gets a dedicated Stellar-backed settlement space with its own ledger and members.

Shared treasury

Pool funds for rent or trips in a multi-sig group wallet. Withdrawals need signer approval.

Anchor on/off-ramp

Move between fiat and Stellar assets through SEP-24 anchors — no crypto expertise required.

Proof of payment

Every settlement carries a memo reference, transaction hash, and an exportable audit trail.

Non-custodial

Your keys stay in your wallet. Mergepay only ever builds transactions for you to sign.

XLM + stablecoins

Settle in native XLM for demos or a stable asset like USDC for real-world value.

$ payment → GABC…X7Q
asset: USDC · amount: 12.50
memo: MP:dinner-8f3a
confirmed · 4f9c…a21b
Built on Stellar

Using Stellar for exactly what it's best at

  • SEP-10 wallet authentication — your public key is your identity.
  • Stellar payments & path payments settle balances in seconds.
  • Trustlines unlock stablecoin support alongside native XLM.
  • Memos bind every payment to a specific expense for clean audit trails.
  • Multisig accounts secure shared group treasuries.
  • SEP-24 anchors bridge fiat and Stellar without leaving the app.
The demo

Watch Stellar do real work

1. Sign in with Stellar wallet
2. Create a group
3. Add a shared expense
4. See each person's share
5. Settle through Stellar
6. View tx hash & memo

Stop chasing IOUs.

Split the bill, settle on Stellar, and keep a receipt everyone can verify. Free and open source.