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Koba
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Send the receipt and everyone knows their share

Drop a receipt in the group chat and say who it’s for. Koba puts it in the right space, splits it to the cent and keeps one balance everyone can see. Someone wasn’t there? Say so, and the same expense updates.

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  1. Maya: that was the best halibut of my life
  2. You send a photo of the Harbourline Kitchen receipt.
  3. You: @koba I paid CA$128.04, split it four ways
  4. Koba sends a card: Dinner added to Vancouver weekend. CA$32.01 each. Avery paid: CA$128.04. Maya, Leo, Priya: owe CA$32.01.
  5. Priya: wait, I left before dinner
  6. You: @koba priya wasn’t there
  7. Koba sends a card: Dinner, now split three ways. CA$42.68 each. Maya, Leo: owe CA$42.68. Priya: not on this one.

Fix the dinner anywhere and it changes everywhere

Try it: tell Koba Priya wasn’t there.

  1. You: @koba I paid CA$128.04, split it four ways
  2. Koba sends a card: Dinner added to Vancouver weekend. CA$32.01 each. Avery paid: CA$128.04. Maya, Leo, Priya: owe CA$32.01.

In the group chat

Where it happened

Splits add up to the cent, even when they don’t divide evenly

Harbourline Kitchen
Vancouver BC · Oct 16
Smoked salmon flatbread19.50
Mushroom risotto24.00
Halibut and chips26.50
Kale caesar15.70
Lemonade x210.50
Sticky toffee pudding10.50
GST 5%5.34
Tip16.00
TOTAL CAD128.04

Harbourline Kitchen, three ways

Total on the receipt
CA$128.04
Avery, Maya, Leo
CA$42.68 each
Adds back to
CA$128.04

Tax and tip are split with the meal, in the currency on the receipt.

Tidewave Music, CA$16.99 four ways

Four doesn’t go into 1,699 cents. Nobody quietly absorbs the difference.

  • Avery

    CA$4.25

  • Priya

    CA$4.25

  • Marcus

    CA$4.25

  • Jordan

    CA$4.24

CA$4.25 + CA$4.25 + CA$4.25 + CA$4.24 = CA$16.99. Every cent is assigned to someone.

  1. Koba: hi Maya, it’s Koba from the Vancouver weekend chat. your share of dinner at Harbourline Kitchen is CA$42.68
  2. You: what was the total
  3. Koba: CA$128.04, split between Avery, Leo and you. Priya wasn’t there
  4. You: can I just pay everything at the end of the trip
  5. Koba: of course. I’ll send you one amount when the weekend is settled

Friends without the app

Nobody has to download anything to pay you back

People in the group chat take part right there. Koba can text someone their share privately, answer what it was for, and pass on when they say it’s paid. If they sign up later, the same history is waiting.

  • Their share, by text
  • Names, not phone numbers
  • Paid when you confirm
  1. You: @koba where did everyone land for the weekend
  2. Koba: Maya owes Avery CA$169.68 and Leo owes CA$169.68, for the stay, dinner and brunch. Priya already paid her CA$127.00. I sent each of you your own request
  3. Leo: just sent it avery
  4. Koba: Avery, Leo says he paid CA$169.68. confirm when you see it and I’ll mark him settled

Paying back inside Koba is planned. Today you pay the way you already do, and Koba records it.

Settling up

When the trip ends, everyone gets one request

Koba nets the weekend down to one amount per person and sends each their own request. It follows up once, kindly, and stops the moment you confirm the money arrived.

  • One amount per person
  • One friendly reminder
  • Disputes and corrections welcome
Settle up

Questions

How does Koba know which space a receipt belongs to?

It uses the group chat you sent it from and the space that chat is in. When a receipt could belong to two places, or someone is new, it asks instead of guessing.

Can I split by item or leave someone out?

Yes. Split evenly, by amount, by item, or say who wasn’t there. Shares always add back to the exact total on the receipt.

Do my friends need the app or an account?

No. They take part in the group chat. If they sign up later, the same spaces and history are there.

Does Koba move the money?

No. Koba keeps the record and does the asking. You pay each other the way you already do, and a debt is settled when the person who was paid confirms it.