KNOT
Shared expenses, resolved.
FinTech Prototype 02

Money between friends, without the awkwardness.

KNOT turns shared bills, group trips and everyday IOUs into a calm payment experience — with clear balances, focused settlement flows and zero spreadsheet energy.

Group expensesPayment UXDebt trackingMicro interactions
9:41
◒◒◒100%
MC
Good afternoon
Maya Chen
Your net balance
+€68.40
You are owed€92.60
You owe€24.20
Healthy

Active circles

Barcelona Trip5 people · 8 expenses · updated 16 min ago
+€68.40you are owed
Apartment 24B3 people · utilities and groceries
−€24.20you owe

Latest activity

Tapas dinnerMateo paid · split 5 ways
€91.00
Airport taxiYou paid · split 5 ways
+€46.80
Circles
Every shared expense, grouped around the people involved.
Barcelona Trip5 members · May 14–18
+€68.40net
Apartment 24BRent, bills & groceries
−€24.20net
Friday Dinner4 members · settled
€0.00all square
Activity
A complete timeline of expenses, requests and settlements.
Sofia owes youBarcelona Trip · today 14:32
+€28.20
You owe NoahApartment 24B · yesterday
−€24.20
Friday Dinner settled4 people · yesterday 22:14
Done
Profile
Identity, security and payment preferences.
MC

Maya Chen

@mayac · maya@knot.money

12 clean settlements · 0 overdue
Biometric lockFace ID / fingerprint
Smart remindersQuiet nudges for unpaid balances
Default currencyEuro (EUR)
›
Circle
Barcelona Trip
May 14 — May 18

Barcelona Trip

MCSMARMK+1
€684.20 total group spend
You are owed€68.40
You owe€0.00

Who owes you

SM
SofiaTapas + taxi
€28.20
AR
AronHotel deposit
€24.00
MK
MateoCoffee + metro
€16.20

Recent expenses

Tapas dinnerMateo paid · split 5 ways
€91.00
Airport taxiYou paid · split 5 ways
€58.50

Add expense

One focused flow: describe the spend, choose people, and KNOT handles the split.

MC
You
SM
Sofia
AR
Aron
MK
Mateo
LN
Lina
Split equally5 people
€18.20 each

Settle balance

Request a payment or mark the balance as settled — without unnecessary steps.

Sofia owes youBarcelona Trip
€28.20