Cowbolt vs Bitkru

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.

A Bitcoin wallet that allows you to store, send Bitcoin, receive Bitcoin and secure Bitcoin with focus on self-custody and simplicity. On Bitkru, a Bitcoin wallet you own, you hold your private keys. A Bitcoin wallet made for Bitcoin users who want real control of their coins. You can instantly transact with anyone in the world, straight from your pocket — no account, no email, no middleman. Create for free an unlimited number of Bitcoin wallets, import any wallet you already have, or build a multisig vault. It's simple and fast. Here's what you get: 1 - Security by design Open Source MIT licensed, you can build it and run it on your own! Made with React Native. You hold the keys Private keys never leave your device. We never see your seed, your keys, or your balance. Biometric app lock Face ID or Touch ID seals the app until you authenticate. Off by default, on with one tap. Screen capture protection Screenshots and screen recording are blocked on every screen that surfaces a recovery phrase, private key, or xpub. Custom Electrum server Connect the wallet to your own Electrum node for full sovereignty over how it learns about the chain. 2 - Focused on your experience Multisig vaults Build M-of-N Bitcoin vaults — 2-of-3, 3-of-5, anything — with BIP48 P2WSH cosigners you create or import. Full HD support Legacy (BIP44), Wrapped SegWit (BIP49), and Native SegWit (BIP84) addresses derived from a single seed and rolled into one balance. Coin Control Pick the exact UTXOs you spend, freeze the ones you don't, and label them. The wallet honors your selection every time. Replace-By-Fee (RBF) Speed-up your transactions by increasing the fee (BIP125). Every send is RBF-enabled by default. Sign & Verify messages Sign Bitcoin messages with any wallet address and verify signatures from others — Electrum and Bitcoin Core compatible.