# Cowbolt

> Collaborate, cost split and settle in Bitcoin.

Cowbolt enables teams and families to split costs, chat privately, and settle in Bitcoin or USDT using Lightning and Liquid with a non-custodial wallet.

Cowbolt provides a permissionless tool for teams, friends, and families to collaborate across borders without intermediaries. Users manage shared expenses, communicate in private team chat, and settle instantly via a non-custodial wallet. The platform supports peer-to-peer settlement on Bitcoin’s Lightning and Liquid networks for both Bitcoin and Tether USDT, combining secure group management with low-cost global transactions.

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

## Products

- [Cowbolt](https://thegrid.id/profiles/cowbolt): Cowbolt is a collaborative payments app for managing shared expenses and peer-to-peer settlement using Bitcoin and Tether USDT. Users track costs, chat in private groups, and settle balances via a non-custodial wallet across Lightning and Liquid networks. (Peer to Peer & Remittance, Live, Main Product)

## Links

- [Main](https://cowbolt.com)
- [Terms of Service](https://cowbolt.com/terms-and-conditions)
- [Twitter / X](https://x.com/cowbolt_com)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP