Plan
Dates, ideas, tasks, notes, documents, and people stay connected to one private shared plan.
One plan. Every money moment.
From a weekend away to a wedding, shared home, community event, or group purchase, Paktly replaces disconnected notes, spreadsheets, reminders, and awkward final math.
Budget
Set a total and category targets, compare plans with actual spending, and see remaining or overspent amounts.
Save
Choose a group goal and personal contribution rhythm while preserving each member’s beneficial contribution claim.
Spend
Future provider-backed group spending can apply shared limits and create a transaction record automatically.
Split
Use equal, exact, percentage, shares, or itemized splits without putting ordinary expense details on-chain.
Reconcile
Immutable accounting records produce clear balances while debt simplification recommends fewer settlement paths.
Settle
Record external payments or, where legally and technically available, settle from eligible group funds.
Return
Unused future group funds follow documented contribution ownership and group-approved refund rules.
Available-first foundation
The first consumer release prioritizes shared plans, budgets, expenses, splits, balances, and settlement records without holding money. Travel is the first polished workflow, not the product ceiling.
Controlled future features
USDC group funding, programmable vaults, fiat funding, and card spending remain testnet or provider-sandbox features until legal, partner, security, and reconciliation gates are satisfied.