Split & settle
Split a bill, track who owes what, and let the app notice when you’ve been paid back.
Split it your way
Equal, custom shares, or one person covers it all. Pick per expense, not once for the whole group.
Circles remember your people
Save a reusable list of who’s in: flatmates, the trip group, the weekend crew, so you never re-pick the same names every time.
A link does the asking
Generate a prefilled UPI payment link and hand it over. Paying you back is one tap in their own UPI app: no manual amount typing, no “how much do I owe again?”
It recognizes when you’ve been paid
Raqm spots a friend’s payment automatically from your own SMS-parsed transactions and surfaces it as a candidate match. Confirm it in one tap.
Any two transactions, linked manually
Gave a friend cash and got it back a week later? Link the two yourself and mark them settled, both drop out of your expense totals, same as a self-transfer.
Never auto-settled without your say
Every match is a suggestion, not an action. Nothing moves until you approve it.