Questions, answered plainly.

Not yet. Cashvy has not been released: there is no App Store listing and no test build to download. When there is, this site will say so — and not before.

Yes. Cashvy is free, open-source software under the MIT licence. There are no adverts, no subscription and no account.

Both split shared costs and work out who owes whom. The difference is where the ledger lives. Splitwise is an online service: a group’s expenses are kept in Splitwise accounts on its servers, which is what lets everyone see them from any of their devices. Cashvy has no server and no accounts. The ledger lives on the phone of the person who started the trip, friends join from a link in any browser, and Cashvy never puts your expenses on a server — ours or anyone else’s.

Splitwise is available today on iPhone, Android and the web. Cashvy is not out yet, and is an iPhone app for now.

Not yet. The Android version has not been built, so Cashvy is an iPhone app for now. A friend on Android can still join any trip — that part runs in a browser, and any browser will do.

No. There is no Cashvy account at all — no email address, no password, no sign-in. The app asks for your name and a currency, and both stay on your phone.

No. Anyone in a trip can read it and add what they paid from a browser. Approving expenses and settling up need the app, on at least one phone in the trip.

Read the trip, add what they paid, and pick their own character. They cannot approve, decline or settle — those happen in the app, and the app refuses them from a browser whatever the browser sends. The full rules.

They prove nothing is sitting between your friend’s browser and your phone. Both screens show six words; if they match, you let your friend in. If they don’t match, stop — don’t carry on past a mismatch.

They could use it to join, if they got there first. That is why a code works once, for one browser, stops working after fifteen minutes if nobody uses it, and the host sees every browser let in and can turn each one off. They cannot read a trip they did not join: the code is only half of the key.

The browser keeps the last copy of the trip it saw, and says how old it is. Anything your friend adds waits in the tab and is sent when the phone is back — but closing the tab loses it, and the page says so.

No. It records who owes what and who paid whom. The payment happens wherever you already pay each other; Cashvy can keep a friend’s payment handle so you know where to send it.

Equally, by shares, by percentage, in exact amounts, or line by line off a scanned receipt. Every split adds back up to the total exactly, because money is kept in whole cents, and when a cent won’t divide evenly Cashvy shows who took it.

Yes. Each trip has its own currency, and an expense in another one keeps the exchange rate you enter for it. Cashvy doesn’t look rates up — that would mean sending a request, and the app sends none.

No. There is no Cashvy server holding your ledger and no account to look it up by. We don’t know you installed the app.

If you made a Cashvy backup, you restore it onto the new phone with its eight words. If you didn’t, the ledger is gone.

Your phone’s own iCloud backup doesn’t include it, on purpose: the key that opens the ledger never leaves the phone it was made on, so a copy in iCloud could not be opened by anything — including Cashvy. The same design that means nobody else can read it means nobody else can restore it.

Yes. Adding, splitting, settling, reading a receipt and passing a trip to a phone nearby all work with no signal. The one thing that needs a connection is a friend joining from a browser.

An anonymous session number and sealed messages it cannot read. It keeps nothing once you disconnect, and your ledger is never uploaded to it. Anyone who would rather not use ours can run their own.

No. It sets no cookies, runs no analytics and loads nothing from anyone else — and it cannot send anything to anyone. The homepage shows you the list, as your own browser reports it.

Yes, under the MIT licence. The repository is not public yet. It will be at github.com/Soul-Archive-Limited/cashvy. Nothing in it has been externally reviewed.