KOSH Money vs Splito.io

KOSH helps freelancers and professionals receive, hold, send, and spend money across borders from a single account with stablecoin support. Why choose KOSH? KOSH is designed to give you a better stablecoin finance experience. • Deposit supported stablecoins on multiple networks, including EVM-compatible networks and Solana. • Get support from the KOSH team including founders when you need help. • Manage multiple virtual accounts and your KOSH Card from a single app. Supported Features 1. Multi-currency accounts     Access USD, EUR, GBP, AED, and SWIFT account details to receive payments from clients and platforms worldwide. 2. Spend globally     Use your KOSH Card online, in-store, and internationally wherever Visa is accepted. Apple Pay is available on supported devices. 3. Send money worldwide     Transfer funds internationally and to supported bank accounts through available payment methods. 4. Earn rewards     Earn rewards on eligible transactions and campaigns, subject to applicable terms and availability. Download KOSH to get your USD account and card in minutes. Financial services are provided by regulated third-party partners, including Bridge, Iron by Moonpay, and Rain, operating under applicable licences and regulatory frameworks. Product availability, supported regions, currencies, networks, and features may vary.

Splito is the expense splitter for groups whose money lives in more than one currency, and more than one country. Log what everyone spends, see who owes what in real time, and settle the whole trip from your wallet. No "Do you have Venmo?" No stale exchange rates. No chasing six friends across four payment apps for three weeks after the trip ends. WHY SPLITO • Multi-currency from the first expense, log a dinner in EUR, a hotel in USD, a taxi in SGD. Splito keeps each expense in its native currency instead of forcing everything into one base currency. • Lock the exchange rate when you log it, Splito snapshots the FX rate the moment you add an expense, so no one argues about rate drift weeks later during settlement. • Live balances, always know who owes what, updated the second an expense is added. • Built for groups of 3–10, perfect for trips, housemates, and recurring shared costs. HOW IT WORKS 1. Create a group and add your friends. 2. Log expenses in whatever currency you paid in. 3. Watch balances update in real time. 4. Settle up from your wallet when the trip ends. WHO IT'S FOR Friend groups who travel internationally, housemates splitting rent and bills, and anyone tired of the two-week "balance cleanup" thread that follows every trip. If your group spans countries and your payment apps don't overlap, Splito closes the gap. ABOUT SETTLEMENT Splito settles on-chain in USDC, XLM, SOL, and ETH — there's no bank transfer or fiat step. At least one person in your group should be comfortable with a crypto wallet; they can bring everyone else along with a shared settlement link. Start free. Split smarter. Settle without the drama.