Splits

Splits (0xsplits.xyz) offers permissionless financial infrastructure built on open-source smart contracts, positioned as shared wallets combined with modern banking functions. The product set includes subaccounts for separate revenue streams, treasury management with automatic account top-ups and yield on idle cash, payroll, recurring payments and bank transfers, invoicing, automations, and accounting features such as memos, filters, account statements, exports and read-only accountant access. Payments can be made in fiat, stablecoins or crypto, and automated swaps convert volatile assets into stablecoins on receipt. Accounts are self-custodied and cryptographically restricted to the people, agents and institutions the owner authorizes, with setup requiring no paperwork or company formation.

Underneath the application sits the Splits protocol, introduced in February 2022 as 0xSplits: a set of trustless, composable, gas-efficient, non-upgradable, entirely onchain contracts that were free to use and launched on Ethereum. The core primitive is a Split — a smart contract that continuously distributes incoming ETH and ERC-20 funds to recipients according to preset ownership percentages. Additional primitives include Waterfall (priority-based payouts that fill earlier tranches before later ones), Swapper (automatic conversion of incoming tokens into a designated output token) and Liquid Splits (ownership represented by transferable NFTs). The contracts are designed to be stacked or used individually and are accessible through a protocol explorer UI, SDKs and APIs.

Splits also targets agent-driven operation: an API, CLI (installed via npm as @splits/splits-cli) and MCP server allow AI agents to perform the same actions as human users under cryptographic access rules and approvals, without sharing seed phrases.