Money among friends,
kept honest by AI.
Shared finance for small trust circles — every expense one spoken sentence, every balance a living graph, every disagreement mediated with its reasoning shown.
In the constellation
Bond highlighted in the live map — hover or tap any node to explore.
Splitting money is mechanical work with social consequences.
In a family, a roommate circle, or a small travel group, the math is not the hard part. The hard part is that one person becomes the ledger, the reminder, and the awkward conversation.
Spreadsheets and split apps still make people do the computing: type the bill, reconcile the balances, explain the mismatch, and keep history honest after the argument starts.
Bond's claim is narrower and stronger: you speak, the ledger computes itself, and the trail keeps the relationship honest.
A ledger that behaves like a living graph.
AI proposes; mechanical commits
Flow events
one sentence → confidence-tagged record
A spoken expense becomes structured ledger data: amount, payer, people, split, category, and confidence per field.
The balance graph
derived, never hand-edited
Who owes whom is recomputed from first principles on every flow, settlement, and dispute decision.
Settlement
settle smart + counterpart confirmation
Bond reduces the graph to the fewest useful transfers, then only marks money received when the receiver confirms.
Disputes
AI proposes; members decide
The mediator shows reasoning and confidence, proposes uphold / amend / void, and records the final decision.
AI proposes; mechanical commits. Every AI suggestion is reviewable, every committed cent is integer-exact.
The full prototype is live. The ledger runs in your browser.
Walk in as June on a seeded morning: confirm a housemate's transfer and watch the line stamp SETTLED, resolve a dispute in the AI mediation room, say “dinner 84.50, I paid, split with Maya and Ravi” and watch the entry typeset itself with the AI's confidence on every field, ask the ledger “who owes me”, then switch to a second circle in yen. Simulated data, a fictional cast — the ledger math is real.
Open BondTrust rules for small circles.
Immutable audit
The ledger is append-only. Undo adds a correcting event; it never erases the fact that a change happened.
Counterpart confirmation
A transfer is only received when the receiver says so. The protocol keeps both sides of the handshake.
Mediated disputes
File → AI proposes uphold, amend, or void with visible confidence → members decide. The reasoning stays attached.
Trust tiers
Admin, member, and observer roles let a family or housemate circle include read-only people without granting edit power.
Where Bond fits.
| Approach | Capture | Balances | Settlement | Disagreements | Trust |
|---|---|---|---|---|---|
| Manual split apps | typed forms | per-bill lists | running totals | comment threads | editable history |
| Group tabs in banking apps | forms | per-bill lists | running totals | comment threads | editable history |
| Spreadsheets | cells | manual formulas | running totals | side chats | editable history |
| ◍ Bond | one spoken sentence | living derived graph | min-cashflow + counterpart confirm | AI mediation with confidence | append-only audit |
Make shared money easier to trust.
Start free with three teammates on Atlas today, or dive into the operating system that powers them.