Instant sends
Money moves the moment you tap send — no "1-3 business days," no waiting for it to clear before you can spend it.
Kaya · shared money, sorted
Split the bill
before you leave the table.
Kaya is a wallet built for money that touches more than one person — rent with roommates, a group trip, a family tab. Send, request, and settle up in seconds, with everyone seeing the same numbers.
Rent split
to Priya, Jon −$540
to Priya, Jon −$540
Weekend trip
from Marco +$186
from Marco +$186
Groceries
to household tab −$64.40
to household tab −$64.40
Money that stays legible
Three things Kaya does well, so a shared tab never turns into a spreadsheet.
Splits that do the math
Even, by share, or by what each person actually ordered — Kaya works out who owes what and asks once.
Gentle reminders
A quiet nudge when a request sits unpaid for a week — never a demand, always easy to settle in one tap.
How it works
No branches, no paperwork. Most people send their first payment inside a minute of downloading Kaya.
- Link an account. Connect a debit card or bank account — Kaya never holds your money longer than a transfer takes.
- Add the people you split with. Roommates, travel friends, family — a group takes ten seconds to set up.
- Send, request, settle. Every payment shows up for everyone in the group, so nobody has to ask "did that go through?"
Held to a bank's standard
Kaya doesn't lend, invest, or hold your money longer than a transfer requires — a narrower job, done more carefully.
Bank-level encryption
Insured, partner-bank accounts
Biometric login
No data sold, ever
Get Kaya
Free to download, free to send. One flat fee only if you cash out early to a debit card.