Clero - Pay, Request, Split

Send and receive money from friends straight from your bank account within the same day without wallets or transfer fees.

Clero combines bank-to-bank payments, card transaction splitting, receipt scanning, and group expense tracking into one app.

DIRECT TO BANK PAYMENTS WITH ZERO FEES
• Same-day direct settlement: Money moves straight between bank accounts on the same day. No digital wallet balance to cash out.
• Zero transfer fees: Send and receive money without paying 1.75% instant transfer fees.
• Phone number claim links: Send money to anyone with a phone number. Recipients without Clero claim funds straight to their bank account through a web link. Expired claims return to your account.

RECURRING REQUESTS AND BILLS
• Flexible schedules: Create recurring payment requests for rent, utilities, subscriptions, or shared expenses.
• Custom intervals: Set schedules by week, month, or year with specific billing days or end dates.
• Scheduled tracking: Clero creates new requests on your schedule and notifies participants when bills come due.

CARD AND SUBSCRIPTION SPLITTING
• Card sync: Link your credit cards and bank accounts through Plaid. Tap any posted charge to split it with friends.
• Subscription detection: Clero identifies recurring charges like streaming services, gym memberships, and utility bills for one-tap splitting.

RECEIPT SCANNING AND RICH RIDE BREAKDOWNS
• Camera and Gmail sync: Snap a photo of a restaurant receipt or link Gmail to pull receipts from DoorDash, Airbnb, and dining spots.
• Uber and Lyft ride details: Pull ride breakdowns including pickup and drop-off points, duration, driver details, and table tip adjustments.
• Itemized claiming: Tap items to claim dishes or divide shared plates.
• Proportional tax and tip: Taxes and tips split based on each person's spend.
• Locked shares: When someone pays, their share locks so subsequent edits do not alter settled amounts.

BATCH PAY, AND PARTIAL PAYMENTS
• Batch pay: Select multiple open requests from the same friend and pay them all at once.
• Partial payments: Pay open requests in increments while keeping track of how much you still owe.

GROUP TYPES AND DEBT REDUCTION
• Monthly groups: Built for roommates. Set a settlement date like the 1st of the month. When the cycle ends, Clero smartly tallies balances, generates payment requests for that month and starts the next month without manual setup.
• Trip groups: Pool vacation expenses and generate payment requests automatically when your trip ends.
• On-demand groups: Split expenses for social events and settle whenever you choose.
• Simplify debts: Clero calculates the shortest route across group members to eliminate redundant back-and-forth transfers.
• Splitwise import: Upload a Splitwise CSV file. Clero matches names to your contacts and imports your balances.

SECURITY
• Face ID and Touch ID confirmation required before money moves.
• Bank-grade encryption across all financial rails.

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