Dutch

idea: real-time splitwise with physical cards as MVP; exploring agentic payments
shelved: works for corporate expenses & virtual card splitting, doesn’t scale to consumer

comps: greenlight, Brex, Divvy, Apple card permissions for teens, Splitwise

Dutch is a multi-party payment system designed to make “going Dutch” invisible, elegant, and agent-powered.

High-level concept

Dutch is a virtual and physical card experience that lets people pre-decide how payments will be split before or at the moment of checkout. Users can virtually select payment sources and automatically split a transaction across:

Multiple people (P2P and groups)
Multiple cards or accounts
Agents acting on someone’s behalf (for example, a travel or shopping agent)

The core goal: remove the social friction and operational headache of splitting bills, while preparing for a future where agents make many of these decisions automatically.

It rides three big waves at once:

The rise of virtual and tap-to-pay cards.
Shifting social norms around who pays and how.
The emergence of agents that will increasingly make and orchestrate purchases.

Core user scenarios

Dutch focuses on real-world social money moments:

1:1 splits (dates, friends, roommates)
Group purchases with one “admin” who fronts the payment but wants automatic settlement
Agent-as-admin flows, where an AI agent manages the cart, timing, and settlement
Escrow-like structures for more complex payments (for example, trips, shared purchases)

These flows are designed around today’s behaviors (Venmo, Splitwise, sharing cards) but anticipate rapid adoption of agents and virtual cards.