and can be awkward or tense, plus no one likes doing math. Smoov makes it automatic, accurate and easy. While mirroring consumer behavior of sending money to each other via mobile.

How? Smoov integrates with users' existing credit and debit cards and pulls transactions into a private running list. This creates a very low barrier to entry and eliminates awkward conversations about signing up for a new card together - plus they don't want to do that anyway. Couples set up a default split % for all of their shared expenses that they can adjust on a per transaction basis if they want. Users swipe which expenses they want to move from their private view to the couples shared view. Smoov keeps track of the total damage (who owes who how much) and whenever the couple is ready, they can settle up via direct ACH transfer through Smoov.

Why? Modern couples who value their financial autonomy are getting married later in life, with more independent wealth and studies show they are fully merging their respective finances less and less - in a world where timing is everything, Smoov fits perfectly into that macro trend among others.