# Cowbolt > Bitcoin and USDT expense splitting and settlement app with group chat and self-custody wallet. (iPhone/iPad app by Guten Group.) - Source: https://appshunter.io/ios/app/cowbolt/id6502505502 (this page in markdown: same URL + `.md`) - Developer: [Guten Group](https://appshunter.io/developer/1745654046) - Category: Finance, Lifestyle - Price: Free - Rating: 5.00/5 from 6 App Store ratings · 3 written reviews indexed - Age rating: 17+ - Requires: iOS 15.5 · 43 MB - Languages: American English - Released: 2025-05-19 - Data updated: 2026-11-08 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/cowbolt/id6502505502/reviews.md ## What is Cowbolt? Cowbolt lets you split expenses and settle instantly using Bitcoin. It combines expense sharing, group chat, and a self-custody Bitcoin and USDT wallet into one simple app built for real-world collaboration. Use Cowbolt when: Friends travel together and need to split hotels, food, or transport Families share recurring costs across borders Remote teams settle expenses without banks or reimbursements No accounts to approve. No intermediaries. You stay in control. What you can do with Cowbolt Split costs with groups or individuals Pay instantly using Bitcoin and USDT on the Lightning, or Liquid Network Share payment requests via QR codes Keep full control of your money with self-custody See fees and exchange rates before sending Validate addresses automatically by network Built for real use Travel with friends Remote teams across countries Families sharing costs Anyone who wants private, permissionless payments Cowbolt is open to anyone and works today. ## Key features - Split expenses with groups or individuals - Instant Bitcoin/USDT payments - Self-custody wallet - Group chat for collaboration - QR code payment requests - Fee and exchange rate transparency ## Is Cowbolt safe? Not enough ratings yet to assess Cowbolt. ## Is Cowbolt legit? Cowbolt appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Cowbolt is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/cowbolt/id6502505502/reviews.md ### 5/5 — Bitcoin Saves *2026-02-24* With the last update, the update speed of the wallet really makes a big difference. Keep developing. **Developer response:** Thanks for giving us that trust. Let’s keep doing Bitcoin together. ### 5/5 — Easy to Use *2025-06-04* App is really easy to use. User interface is very sleek. I am using it daily to track expenses and send bitcoin. **Developer response:** Thanks for giving us that trust. Let’s keep doing Bitcoin together. ### 5/5 — Fantastic design *2025-05-30* This app is what the world has been missing - an easy way to split and settle expenses in bitcoin. The UX is friendly and intuitive. Keep up the good work. **Developer response:** Glad to see that you are on the same mission as we are. Bitcoin adoption! ## Frequently asked questions about Cowbolt ### What is Cowbolt used for? Cowbolt is designed for splitting expenses and settling payments instantly using Bitcoin and USDT. It combines expense sharing, group chat, and a self-custody crypto wallet for seamless financial collaboration. ### How secure is Cowbolt? Cowbolt emphasizes security through self-custody, meaning you retain full control of your funds. It also offers automatic address validation by network and shows fees and exchange rates before sending transactions. ### Can I use Cowbolt offline? While the app facilitates payments, a stable internet connection is generally required for Bitcoin and USDT transactions to be processed on the network. Group chat features may also rely on connectivity. ### What cryptocurrencies does Cowbolt support for payments? Cowbolt allows instant payments using Bitcoin and USDT. These transactions can be made on the Lightning Network or the Liquid Network. ### Does Cowbolt have ads? No, Cowbolt does not contain advertisements. The app is free to use and does not display any ads to its users. ### What devices is Cowbolt available on? Cowbolt is available for iPhone and iPod devices. It is designed for users who prefer mobile-first financial management. ### How often is Cowbolt updated? The latest version of Cowbolt is 1.998.0, and it was last updated on November 5, 2026. This indicates a commitment to ongoing development and improvements. ### What is the age rating for Cowbolt? Cowbolt has an age rating of 17+. This is likely due to its use of cryptocurrency and financial transaction capabilities. ## Version history (last 5 releases) ### 1.998.0 — 2026-11-05 Cowbolt has a new name. Same app, same wallet: nothing changes for you. ### 1.997.0 — 2026-10-31 Security improvements. ### 1.996 — 2026-10-02 Fix send lightning ### 1.995 — 2026-08-10 Bug fixes ### 1.994 — 2026-07-08 Bug fixes ## Apps similar to Cowbolt | App | Rating | Price | Category | | --- | --- | --- | --- | | [Minibits](https://appshunter.io/ios/app/minibits/id6744454479) | — | Free | Finance | | [Sovran](https://appshunter.io/ios/app/sovran/id6499554529) | 5.0 (1) | Free | Finance | | [Speed Wallet: Buy Bitcoin](https://appshunter.io/ios/app/speed-wallet-buy-bitcoin/id6462426281) | 4.5 (1,280) | Free | Finance | | [Bitkru](https://appshunter.io/ios/app/bitkru/id6749847943) | 4.6 (84) | Free | Finance | | [Aave: Save and Earn](https://appshunter.io/ios/app/aave-save-and-earn/id6754045087) | 4.7 (336) | Free | Finance | | [Bitfinex: Trade Digital Assets](https://appshunter.io/ios/app/bitfinex-trade-digital-assets/id1436383182) | 4.1 (173) | Free | Finance | ## More apps by Guten Group - [Instant Capture](https://appshunter.io/ios/app/instant-capture/id6760306707) All apps by Guten Group: https://appshunter.io/developer/1745654046 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-08.*