# Cowbolt

> Collaborate, cost split and settle in Bitcoin.

Cowbolt is a Bitcoin payments company offering a cost-splitting and team chat app. It lets teams, friends, and families settle shared expenses peer to peer using a non-custodial wallet.

Cowbolt is a Bitcoin payments company building a permissionless tool for teams, friends, and families to collaborate across borders without intermediaries. The product combines shared expense management, private team chat, and a non-custodial wallet, letting users track costs and settle up whenever they choose. It is designed for small groups such as travel companions, families, and business teams who need a simple way to coordinate spending together.

The app addresses friction in international group payments by settling transactions peer to peer over the Bitcoin Lightning and Liquid networks, avoiding custodial intermediaries. Users hold their own funds and can transact in Bitcoin or in a stablecoin pegged to the US dollar, combining the speed of Lightning payments with the flexibility of dollar-denominated transfers. Because the wallet is non-custodial, users are responsible for safeguarding their own keys.

The offering centers on the Cowbolt app, which bundles cost splitting, private messaging, and settlement into one interface. It is aimed at groups seeking to manage shared costs and communicate without relying on centralized platforms or financial intermediaries, and it remains in an open beta phase as it prepares for wider release.

- Type: Company
- Sector: Payments
- Status: Announced
- Founded: 2024-04-01
- Profile: https://thegrid.id/profiles/cowbolt

## Products

- [Cowbolt](https://thegrid.id/profiles/cowbolt): Cowbolt is a non-custodial wallet application that lets teams, friends, and families split shared expenses and settle balances using Bitcoin and a dollar-pegged stablecoin. Users track group costs, message privately within the app, and send peer-to-peer payments directly from self-custodied wallets. Settlement runs over the Bitcoin Lightning Network and the Liquid Network, giving users low-cost, near-instant cross-border transfers without an intermediary holding their funds. The application is in open beta, with the team continuing to gather user feedback. (Wallet, Open Beta, Main Product)

## Links

- [Main](https://cowbolt.com)
- [Twitter / X](https://x.com/cowbolt_com)
- [GitHub](https://github.com/Cowbolt)
- [LinkedIn](https://linkedin.com/company/cowbolt)

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