Circle Split

CircleSplit – Onchain Group Payment Splitter for MetaMask Card Users

For the MetaMask Card Hackathon, we built CircleSplit, a smart contract-based group payment system designed to help users split and settle shared expenses onchain in USDC.

What we built:

• Ledger Factory:
  A smart contract that lets any user create a new Ledger, which acts as a group expense tracker.

• User Join & Approval:
  Other users can join a Ledger and approve USDC payments they’re willing to contribute towards the group expense.

• Flexible Split Logic:
  The Ledger owner (or group manager) can edit and configure how the total payment is split among members—
  supporting custom allocation (equal split, ratio-based, or fully manual distribution).

• Onchain Settlement:
  Once approved by members, the system executes the USDC transfers onchain from each member to the recipient.

• Cross-Chain Asset Support (via LI.FI):
  For users whose USDC is on a different chain, we’ve integrated LI.FI so they can bridge and swap assets easily to the target chain before payment.

MetaMask Card Vision:

In the future, if we can config customize paying functions to MetaMask Card and when users pay with their MetaMask Card,
CircleSplit will automatically detect the purchase,
configure the Ledger, and initiate the onchain USDC split and settlement across all group members—
seamlessly connecting real-world spending with onchain group payment management.