Ana makes the group. Nobody else needs the app yet.
She types five names and books the van for ₱4,500, split six ways. The group lives on her phone only, no account, no sign-up. She can run the whole trip like this if she wants to.
How it works
One weekend trip, start to “all paid”.
Six friends, three days, one phone doing the math. Scroll and the phone keeps up.
The receipt arrives. Ana photographs it instead of typing it.
KKB reads every line, the service charge and the VAT, and fills in the expense. Ana puts the sisig on Ben and the halo-halo on Dani; shared dishes split between whoever had them. She checks it against the paper before saving, because a scanner can be wrong.
Ben wants to see the numbers. Ana shares a code.
Publishing the group turns it into a shared one. Ben installs KKB, enters the code, taps his own name from the list and every share already on “Ben” is his. Dani’s kid is covered by Dani, so the little one’s halo-halo lands on her tab automatically.
Seven IOUs become three transfers.
KKB nets the whole weekend down to the fewest payments. Ben already sent Ana ₱932 from his e-wallet and tapped it paid; Ana’s phone updates when the bus finds signal again. Nothing moves through KKB; it just keeps the record straight.
And the ₱500 Carlo borrowed for gas? That is a side debt.
Not every loan belongs to a trip. The Debts tab tracks one-off loans between you and a contact, takes partial payments, and shows one clean number per person. The group chat can go back to planning the next one.
