Cowbolt vs Minibits

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.

Minibits is a Bitcoin Lightning and ecash wallet that deliver instant, low-cost, and private value transfers — even when the payer is offline. Why Minibits? Minibits wallet provides you with a free Lightning address, and with Nostr Wallet Connect built in, it's perfect for sending small tips—known as "zaps"—on Nostr social networks. More, Minibits delivers true Tap-to-pay experience to Bitcoin, combining ecash with NFC - even if payer remains offline. Hightlights: - Get free Bitcoin Lightning address to which the wallet can receive or send both lightning and ecash payments - Add your address to your Nostr social profile to receive zaps directly to the wallet - Zap (tip) your follows on Nostr network in a single tap using Nostr Wallet Connect - Multiple payment methods: Bitcoin onchain topups and payments, LNURL pay and withdraw, instant send of encrypted ecash over the NOSTR - Interoperability with any other Lightning wallet - Send and receive ecash payments even the payer is offline - True Tap to pay experience using NFC Security: - Seed phrase backup and recovery of both ecash store on device and of your lightning address in case of device loss - Storage of keys and seed in secure device storage - Optional biometric or PIN code authentication to enter the app - Retry transaction after recoverable errors - Auto-recovery of interrupted transactions - Encrypted wallet backup export and import If you are using this app, please do not forget: - Ecash is stored physically on your device, so the loss of the device means the loss of coins. Make sure to keep your seed backup safe. - Both the Cashu protocol and the Minibits wallet are still experimental, and by using them, you accept known and unknown risks. - You trust mints issuing ecash tokens. Connect only to the mints known to you or run your own for your close community. Now, let's move some Ecash!