Clero vs AirTipt

Send and receive money from friends straight from your bank account within the same day without wallets or transfer fees. Clero combines bank-to-bank payments, card transaction splitting, receipt scanning, and group expense tracking into one app. DIRECT TO BANK PAYMENTS WITH ZERO FEES • Same-day direct settlement: Money moves straight between bank accounts on the same day. No digital wallet balance to cash out. • Zero transfer fees: Send and receive money without paying 1.75% instant transfer fees. • Phone number claim links: Send money to anyone with a phone number. Recipients without Clero claim funds straight to their bank account through a web link. Expired claims return to your account. RECURRING REQUESTS AND BILLS • Flexible schedules: Create recurring payment requests for rent, utilities, subscriptions, or shared expenses. • Custom intervals: Set schedules by week, month, or year with specific billing days or end dates. • Scheduled tracking: Clero creates new requests on your schedule and notifies participants when bills come due. CARD AND SUBSCRIPTION SPLITTING • Card sync: Link your credit cards and bank accounts through Plaid. Tap any posted charge to split it with friends. • Subscription detection: Clero identifies recurring charges like streaming services, gym memberships, and utility bills for one-tap splitting. RECEIPT SCANNING AND RICH RIDE BREAKDOWNS • Camera and Gmail sync: Snap a photo of a restaurant receipt or link Gmail to pull receipts from DoorDash, Airbnb, and dining spots. • Uber and Lyft ride details: Pull ride breakdowns including pickup and drop-off points, duration, driver details, and table tip adjustments. • Itemized claiming: Tap items to claim dishes or divide shared plates. • Proportional tax and tip: Taxes and tips split based on each person's spend. • Locked shares: When someone pays, their share locks so subsequent edits do not alter settled amounts. BATCH PAY, AND PARTIAL PAYMENTS • Batch pay: Select multiple open requests from the same friend and pay them all at once. • Partial payments: Pay open requests in increments while keeping track of how much you still owe. GROUP TYPES AND DEBT REDUCTION • Monthly groups: Built for roommates. Set a settlement date like the 1st of the month. When the cycle ends, Clero smartly tallies balances, generates payment requests for that month and starts the next month without manual setup. • Trip groups: Pool vacation expenses and generate payment requests automatically when your trip ends. • On-demand groups: Split expenses for social events and settle whenever you choose. • Simplify debts: Clero calculates the shortest route across group members to eliminate redundant back-and-forth transfers. • Splitwise import: Upload a Splitwise CSV file. Clero matches names to your contacts and imports your balances. SECURITY • Face ID and Touch ID confirmation required before money moves. • Bank-grade encryption across all financial rails. --- Support: https://clero.money Privacy Policy: https://clero.money/privacy Terms of Service: https://clero.money/terms

AirTipt lets you appreciate anyone around you — instantly, with real money. See someone nearby who made your day? A barista who nailed your latte, a musician playing in the park, or just someone who held the door? Tap, tip, done. HOW IT WORKS AirTipt automatically discovers people nearby — no internet needed. When someone has Tipable mode turned on, they appear on your radar. Tap their bubble, pick an amount, and send a tip with Apple Pay or any card. They get notified instantly. No phone numbers. No sign-ups. No QR codes. Just proximity. SEND TIPS - See who's nearby on the live radar - Pick from quick amounts ($2, $5, $10, $20) or enter a custom amount - Pay securely with Apple Pay or card - Tips are delivered instantly when the person is nearby - If they're not active, your tip is delivered the moment they open AirTipt EARN TIPS - Turn on Tipable mode to appear on nearby radars - Set up payouts through Stripe in under 2 minutes - Get notified the moment someone tips you - Money goes directly to your account BUILT FOR THE REAL WORLD - Works offline — no WiFi needed for discovery - Background mode keeps you visible even when the app is closed - Designed for cafes, concerts, events, transit, and everyday life PRIVACY FIRST - No location tracking — discovery is proximity-only - No social graph — you only see people physically nearby - No account required to send tips - Payment details handled securely by Stripe AirTipt charges a small processing fee on each tip. Stripe's standard processing fees apply separately.