At the end of a trip, Kindiro works out the smallest set of payments that clears everyone. No daisy chains, no FX guesses, no apps in the middle holding your money.
Eric pays Sophie. Sophie pays Marc. Marc pays Eric. Half the group is moving money to people they then receive money from. The bank charges twice.
Same group, same total spending. Just the net moves. Léa's £62 already includes what Sophie owed her; Marc's £41 from Tom already includes Eric's share.
Six people · 23 expenses · GBP only · the messy way → the Kindiro way
Add up everything they paid for the group. Subtract their share of what was paid for them. The result is one number per person — they're either owed money or they owe money.
Largest debt against largest credit. Settle whichever is smaller, then move on. Repeat until everyone's at zero. It's the algorithm a sensible accountant would use on the back of an envelope.
Three or four lines: who pays whom, how much, in which currency. They move the money on Revolut, Wise, or a bank app. We don't see it.
The cottage was paid in EUR. The ferry was paid in GBP. The dinner the next night, EUR again.
Kindiro keeps each ledger on its own. You see one settlement plan per currency — no baked-in conversion to argue about, no rounding fights, no one quietly absorbing 4% on the FX.
If you'd rather settle the whole thing in one currency, your bank can do that on the way out — at the rate they actually charge you, not one we made up.
The smallest number of transfers that clears everyone, per currency.
GBP
2 to make · Tap when sent
EUR
2 to make · Tap when sent
No money flows through Kindiro. Ever. The settlement plan is the deliverable — it's up to the group to act on it.
Move the money on Revolut, Wise, or your bank — at their rates, not ours. We never see the transfer.
Each currency settles on its own. No invented FX, no rounding fights, no one quietly absorbing 4% on the way through.
Free up to 10. EU-hosted. Leave any time, your data leaves with you.