Settles in seconds
Crypto doesn’t sleep. Doesn’t have business hours. The moment you tap settle, it’s done. Anywhere on earth.
~2 second confirmation
Get startedJake → Sara $32.00 · just now
Jake → Sara $32.00 · just …
Globalpayments.Zerofees.Unliketheotherguys.
Zerofees.
Unliketheotherguys.
Setl uses cryptocurrency to move money between friends instantly — no bank fees, no 3-day waits, no awkward payment requests. Your money moves on the blockchain. Instant, borderless, and free.
Free forever. No credit card. No catch.
JD
SR
MK
AL
TC
2,400+ people already splitting smarter
See it in action
Miami Trip 🌴
- $240.00
Hotel Night 1
Jake paid
- $180.00
Dinner at Nobu
Sara paid
- $64.00
Ubers
Mike paid
Sara owes you $82.00
↑ Real transactions · Settled in USDC on Base blockchain · Irreversible and instant
Why crypto
Your bank was never built for this.
No bank in the middle
Traditional apps route your money through banks that take cuts and add delays. On Setl, money moves directly between your wallets. That’s it.
Peer-to-peer on BaseWorks everywhere
Sending $20 to a friend in Tokyo costs the same as sending to someone across the street. Zero international fees. Ever.
190+ countriesEVERYTHING YOU NEED
Built different. From the ground up.
Every feature designed around one idea — money between friends should be instant, free, and effortless.
⚡ Instant Settlement
Confirmed in seconds. Not days.
Most bank transfers take 1–3 business days. Setl settles on the Base blockchain — the same infrastructure moving billions daily. Watch your payment confirm in real time.
- Average confirmation: 2–3 seconds
- Powered by Base blockchain
- Permanent on-chain record
Settling up...
Sara → Jake · $32.00
Transaction submitted0.1s
Block confirmation2s...
Funds received
✓ Settled in 2.4 seconds · Confirmed on Base
Search transactions...
AllSentReceived
Today
SR
Sara
Miami Trip
+$32.00
Confirmed
MK
Mike
Apartment
−$18.50
Confirmed
AL
Alex
Dinner Club
+$24.00
Confirmed
📊 Transaction History
Every payment. Always on record.
See every settlement across all your groups in one place. Search, filter, and track — so you always know exactly where your money went.
- Search by name, group, or amount
- Filter sent vs received
- Grouped by date automatically
📱 QR Pay Links
Your own personal pay link.
Every Setl account gets a unique QR code and pay link. Share it anywhere — Instagram bio, group chat, in person. Anyone can send you money instantly.
- Unique link for every user
- Works in person or online
- One scan to send
Your Pay Link
Share to receive money instantly
setl.app/pay/jake
Copy link
S
Setl
just now
💸 Mike sent you $18.50
S
Setl
2m ago
✓ Your payment to Mike confirmed
S
Setl
1h ago
Jake joined Miami Trip
🔔 Instant Notifications
Know the moment you get paid.
No more refreshing to check if your friend paid you back. Setl notifies you the instant a settlement confirms on the blockchain — so you always know in real time.
- Real-time payment alerts
- Blockchain confirmation notice
- Works on any device
All of this. Completely free.
Get started →This isn't Venmo.
Venmo takes fees. Banks take days. Setl uses crypto to settle instantly, anywhere in the world.
MethodResult
Venmo international transfer❌ Not supported
Bank wire❌ Up to $45 + 3 days
Venmo domestic⚠️ 3% credit card fee
Setl on Base blockchain✅ Free · 2 seconds
Security
Fort Knox for your friend group.
We built Setl on infrastructure that secures billions of dollars of crypto every day. Your money is safer here than in most bank apps.
We never touch your money
Your wallet is yours. Setl never holds, controls, or has access to your funds. Transactions go directly from you to your friend.
Every transaction on-chain
Every settlement is recorded permanently on the Base blockchain. Immutable. Transparent. Verifiable by anyone, anytime.
Bank-grade wallet security
Wallets are created and secured by Privy — the same infrastructure trusted by Coinbase, Friend.tech, and thousands of apps.
Your keys, your crypto
Unlike Venmo or PayPal, there’s no central database of funds to hack. Your balance lives on the blockchain, not on our servers.
🔒 Non-custodial⛓️ On-chain verified🛡️ Privy-secured wallets
How it works
Three steps. That's it.
Create a group
Name it anything. Invite friends via a link — they join in seconds, no download needed.
Add expenses as you go
Paid for dinner? Add it. Setl calculates who owes what automatically and updates every balance in real time.
Settle up in crypto
One tap sends USDC directly to your friend’s wallet on the Base blockchain. Confirmed in seconds. No bank. No fees.
Ready to split smarter?
Join thousands of friend groups already using crypto to settle up — instantly and for free.
No credit card · No bank account · Powered by Base blockchain