Settler: Split Bills in Telegram

The trip is over, but the group chat is still arguing about who covered the taxi and why Dave's share looks so small. Settler is built for exactly that mess. It lives inside your Telegram group and keeps the running tally of who owes whom.

There are no spreadsheets and no extra accounts to create. You add the bot to the chat and log costs the same way you would message a friend. 💸

Log it once and move on

You can type an expense in plain words, like "paid 50 for dinner", or send a voice message. The bot picks out the amount, suggests a category and splits the bill between the group members.

The categories come from AI: food, transport, housing, fun. You do not sort receipts by hand, and at the end of a trip it is obvious where most of the budget went.

Five commands cover everything

The bot keeps its menu short:

• /start launches the bot and shows where to begin.
• /help lists tips on how to word an expense.
• /expenses shows every cost recorded in the group.
• /balance answers the big question: who owes whom, and how much.
• /settle starts the process of closing debts.

The balance is calculated automatically. Instead of a chain of "I pay you, you pay him, he pays me", you see one net result. That saves time and a few nerves.

Paying back in TON, not "I'll send it later"

The standout feature is settling debts on the TON blockchain. TON and USDT are supported for payments, and a confirmed transaction stays on the public ledger. The service describes itself as non-custodial: the bot does not hold your money, and transfers go between group members directly.

Settler itself charges no fee, and the bot description says so plainly. The TON network fee (gas) is still paid by the sender, as with any transfer. A blockchain payment cannot be reversed, so check the amount and the recipient before you confirm. ⚠️

Several currencies, one trip

Expenses can be tracked in more than one currency. The announced list includes the dollar, euro, ruble, tenge and pound. That helps when friends come from different countries or when part of the spending happened in one currency and the rest in another.

Agree in the group which currency you use for the final total and stick with it. Reconciling the balance is much easier when everyone looks at the same number.

Charts instead of guesswork

Besides the expense list, the bot builds analytics: who paid most often, which categories cost the most and how spending changed over a period. Roommates can discuss a shared budget with real numbers, and a team on a business trip can pull together a report quickly.

Who it fits and how to avoid trouble

Settler is aimed at three situations: roommates sharing rent and groceries, travelers, and work teams. Anywhere several people pay from their own pocket for something shared, one common record helps.

1. Add the bot to a group chat and make sure everyone has joined.
2. Log each expense right away, while the amount is fresh. A voice note takes five seconds.
3. Before settling, open /balance and confirm the total with the others.
4. Run /settle and close the debts with a transfer.

One habit prevents most arguments: record exact amounts, not rough ones. If an entry was typed wrong, fix it immediately rather than at the end of the month.

A word on the AI and the crypto part

Phrase recognition and categories are handled by a neural network, so now and then it slips: it may misread an amount or file a taxi under entertainment. Skim the /expenses list at least once a day.

If you have never used a TON wallet, practice with a small amount first. Paying in crypto needs a wallet and a few coins for the network fee, and coin prices move.

For a 20 dollar debt that hardly matters, but for larger sums keep volatility in mind and agree on the rate before you pay.