How it works, and its limits

The payment

Your wallet calls ft_transfer_call on the USDC contract, sending the total to the splits router with the list of parts in the message. The router checks it (the parts add up, nobody twice, a reference you haven't used) and sends each part on. If anything is wrong it sends nothing and the token returns the whole amount to you.

Saved splits

Anyone can save their own split in the router: shares that add up to 100%, each with a purpose. A payment sent to them through the router is divided by it on chain. Each save gets a new version, and a payer whose page showed an older version is refused and refunded.

Limits, stated plainly

• NEAR contracts call each other asynchronously, so the parts are not all-or-nothing. If one can't be delivered, that part comes back to you and the others still land. The result screen says which.
• The router holds the money for a few blocks, between receiving it and paying it out.
• At most 10 people per payment, and the smallest payment is 0.01.
• Recipients must be registered with the token. If they aren't, your approval registers them for 0.00125 NEAR each.
• This runs on NEAR testnet. Testnet money has no value.
• The router has no owner, no admin and no upgrade method; the token it accepts is fixed.

Plain words to a split

“Describe it” and “Auto-split my income” turn your words into a list or a split for you to check. Only accounts, amounts and percentages you typed can appear; the rest of a split is worked out by code, not by the model; nothing is signed except by you, in your wallet.