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Live on Monad Testnet · Sponsored Gas
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Keep the friends.
Group expenses, without the awkward money conversations.
Log expenses in any currency. MeshTab nets them into fewer payments, and everyone settles in one tap.
67%
Fewer Transfers
$0
Gas Fees
800 ms
Settlement Finality
6 live rates, 3 indicative
Currencies
Engineered on Monad with Ecosystem Infrastructure
The Lisbon Proof
Four friends. Lisbon trip. 6 expenses across 3 currencies (EUR, GBP, USD). Here is what settling up actually looks like.
Watch the math untangle.
9 fragmented cross-border transfers collapse into just 3 direct payments in AUSD. $391.54 of net liquidity clears the entire trip.
How MeshTab Untangles Debts
Without MeshTab: 4 travelers incur 9 multi-currency repayment transfers across EUR, GBP, and USD. Everyone pays across borders with foreign wire and conversion fees.
With MeshTab: Click "Untangle it" below. Our netting algorithm converts at Pyth mid-market rates and collapses 9 multi-currency transfers into just 3 direct AUSD payments ($391.54 net liquidity).
Aisha
Kemi
Ben
You
Open this exact Lisbon trip in the demo →
Illustrative example. Your tab's results depend on who paid and which currencies you use.
Lisbon Receipts Logged
$1,499.10
Total gross receipts across 6 Lisbon multi-currency expenses.
Capital To Settle
$391.54
The net liquidity required to fully balance all 4 travelers in AUSD.
Transfers Reduced
66.7%
9→3
Multi-currency debts collapsed into direct AUSD payments.
The Settlement Engine
Legacy apps tell you who owes whom. MeshTab actually clears the balance.
Traditional splitting apps lack cross-border settlement rails, leaving international travel groups stranded with manual bank wires and exchange markups. MeshTab executes the final settlement schedule in one tap on Monad.
Execution Speed
800ms
Consensus finality on Monad
User Gas Cost
$0.00
Sponsored via Pimlico ERC-4337
Authentication
Passkey
Native Face ID / Touch ID
Monad Testnet · MeshTabLedger
Atomic On-Chain Settlement Finality
When all members approve the netted plan, transfers execute atomically in a single block. No partial default loops, no counterparty guessing, and no manual bank wires.
The Friction
Splitting a trip is easy. Paying it back isn't.
Four friends travel to Lisbon. Over their trip they accumulate shared expenses across Euros, British Pounds, and US Dollars. Here is where traditional payment systems break down.
Siloed Currencies
Traditional splitting tools don't net across different currencies, leaving groups with 9 separate international transfers across multiple bank accounts.
Bank & Card Fees
Traditional payment rails often add foreign-transaction fees and FX markups on cross-border wires.
The Spreadsheet Trap
Someone spends hours in a spreadsheet trying to reconcile receipts, then spends three weeks chasing friends in WhatsApp.
Simple Workflow
How MeshTab works
01
Start a trip tab
Name your trip and share a single invite link with your group.
02
Join with one tap
Friends tap their name and authenticate with Face ID or fingerprint. Zero wallet setup.
03
Log as you go
Snap receipts with Gemini OCR, speak an expense aloud, or type it in any currency. Works offline.
04
Settle in one tap
MeshTab calculates the optimal settlement schedule and clears residual balances on Monad.
Engineering Craft
Live in this demo
Production-grade features built directly for the Monad Metropolis Hackathon.
Client-Side AI
Receipt Scanning (Gemini Flash Latest)
Take a photo of any physical receipt. Merchant and total amounts parse in ~1s using Gemini Flash Latest with automated multi-tier fallback resilience.
Merchant: Cervejaria RamiroTotal: €85.40 Parsed in 0.9s Rolling Model Fallback Active
Web Speech API
Voice Expense Logging
Say '85 dollars for dinner' out loud. Speech is transcribed and converted into a verified draft expense.
"I paid 45 euros for Uber ride to airport" → Draft Tab Saved
Pyth Oracle
Real-Time Pyth Network FX
Live mid-market currency feeds across 6 major global currencies plus USD. Log in EUR, settle in AUSD with zero bank markups.
EUR/USD: 1.0842GBP/USD: 1.2915
Local-First PWA
Offline-First PWA Sync
Log expenses on an airplane or without cellular coverage. Changes queue locally in a persistent outbox and reconcile automatically on reconnect.
IndexedDB local storage active · 0 network latency on creationAuto-Reconciliation Engine
Radical Transparency
What is live today vs. what comes next
Radical transparency: the core settlement engine is live; consumer banking rails are planned.
Live in this Build (Monad Testnet)
Netting Engine
Greedy net-position matching off-chain
Monad Settlement Contract
MeshTabAgoraLedger verified on testnet
Biometric Passkey Accounts
Embedded smart accounts via Privy
Sponsored Gas Relaying
ERC-4337 paymaster via Pimlico
Gemini Flash OCR (Latest)
Receipt parsing with automated multi-tier fallback
Pyth Oracle FX Feeds
Live mid-market rates for 6 currencies
Offline Sync Outbox
Persistent local-first reconciliation
Mainnet Roadmap
Fiat Card / Bank On-Ramp
Deposit local currency directly into AUSD
Virtual Visa Card
Spend trip balances at physical merchants
Automated Yield Vault
Earn yield on idle group trip reserves
All banking integrations and physical cards are designed for post-hackathon Phase 2 deployment with licensed partners.
Answers to Objections
Frequently Asked Questions
Direct, honest answers about how MeshTab works on Monad.
No. Friends join in seconds using their face or fingerprint. Smart accounts are generated seamlessly in the background.
Close the tab. Keep the friends.
Try the sample tab in 30 seconds. No sign-in or wallet required.