What Splits Protocols does

Splits Protocols, Inc. is a San Francisco-based, pre-seed-stage company (founded 2022, 1–10 employees) building permissionless onchain financial infrastructure composed of open-source smart contracts. Its protocol exposes four core primitives — Split (multi-recipient payment distribution), Waterfall (conditional payment routing), Swapper (automated token swaps), and Diversifier (portfolio rebalancing) — and ships a consumer application, Splits (formerly Splits Teams), which the company positions as onchain banking for crypto teams, DAOs, startups, and creators.

The technology is fully onchain and non-custodial, deployed across 15+ EVM chains with planned Solana support and a launch partnership on Stripe-incubated Tempo. The stack integrates with major Web3 infrastructure including Bridge (fiat rails), Privy (auth), Uniswap, Clanker, Hedgey, Sablier, Relay, Velora, Zora, Chainlink, and WalletConnect, and exposes its treasury primitives through an MCP server built on Paradigm's Centaur agent runtime, making the product natively callable by AI agents.

The business model is product-led and freemium: the protocol is free, open-source, and self-serve, with monetization driven primarily by a 0.25% fee on Bridge-mediated fiat on/off-ramps, supplemented by optional sponsorship and forthcoming paid tiers (Premium, Pro, Business). Target customer segments are onchain startups, Web3-native teams, DAOs (Nouns DAO, Protocol Guild), NFT and creator platforms (Art Blocks, Zora Artists, Coop Records), and solo builders, with named adopters including AirSwap, Transient Labs, Props, Obol, and Clanker.

Name

Splits Protocols

Legal name

Splits Protocols, Inc.

Website

https://splits.org

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Splits Protocols builds permissionless, open-source onchain banking infrastructure — Split, Waterfall, Swapper, and Diversifier smart contracts plus a consumer app — for crypto teams, DAOs, creators, and Web3 startups across 15+ EVM chains.

Ownership category

akta.pro rank

Product category

Onchain Financial Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Cross-Chain Wallet & Asset Routing Infrastructure (FSADACAJ)

akta.pro secondary industries

Cross-Chain Trading & Liquidity Routing (multi-chain swaps, bridge-integrated trading) (FSAPADAJ), Interoperability & Integration Middleware (ERP/core banking connectors, messaging, APIs, cross-chain to permissioned) (FSAPAIAL)

Keywords

• Onchain treasury management
• Crypto payment distribution
• Smart contract protocols
• Web3 banking infrastructure
• Cross-chain payment splits

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. On/Off-ramp fees: A 0.25% fee is charged on onramp and offramp transactions when users convert between fiat bank accounts and crypto. This is the primary explicitly mentioned revenue stream.
2. Swap fees (no-fee policy): Splits charges no fees on in-app swaps. Revenue is not generated from swap transactions.
3. Distribution bounty (optional sponsor): Users can optionally become sponsors by donating a portion of their Split earnings back to the Splits team. This is voluntary and not a mandatory revenue stream.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Splits Protocols provides permissionless, self-custodied financial infrastructure for onchain teams and builders, combining shared wallets with modern banking features (subaccounts, treasury management, accounting, bank transfers, automations, invoicing, yield, and US tax-compliant payments) on top of an open-source EVM smart contract protocol. The core protocol offers composable Split, Waterfall, Swapper, and Diversifier contracts that programmatically distribute, prioritize, swap, and diversify onchain funds, and is exposed through web apps, SDK, API, CLI, MCP server, browser extension, and React component library.

Product overview

Splits Protocols offers a unified product platform combining permissionless financial infrastructure with modular smart contract building blocks. The core offering is Splits (formerly Splits Teams), providing shared wallets, treasury management, and modern banking capabilities built on open-source, self-custodied smart contracts. The Protocol layer offers four composable money legos—Split (fixed ownership distribution), Waterfall (priority-based payouts), Swapper (automatic token conversion), and Diversifier (auto-diversification before deposit)—that can be used individually or stacked together. Additional modules include Invoicing for onchain billing, Earn for yield generation, Automations for scheduled fund routing, Compliant Payments for US tax compliance (W-9/1099), and Smart Accounts for crosschain multisig with passkey authentication. Developer tools include an SDK, SplitsKit React components, CLI, MCP server, and Protocol Explorer UI. The platform supports multichain operations across EVM networks including Ethereum, Polygon, BSC, Base, Optimism, Zora, Arbitrum, Celo, Scroll, Linea, World Chain, Plume, Ronin, Abstract, and Tempo.

Differentiator

Problem solved

Functional benefit

Brands

• Treasury: Team banking product providing shared wallets, treasury management, accounting, bank transfers, and automations for onchain teams
• Personal
• Protocol

Products and services

• Splits Self-custodied, permissionless financial infrastructure for onchain teams and solo builders, providing shared wallets with subaccounts, treasury management, accounting, bank transfers, automations, invoicing, yield, and US tax-compliant payments. Reached $30M+ in assets under management within 10 months of the public beta.
• Treasury Shared wallets for teams with modern banking capabilities including subaccounts, treasury management, accounting, bank transfers, automations, and invoicing, built on open-source, self-custodied accounts with cryptographically restricted access.
• Personal Individual access to the Splits protocol for personal onchain financial operations, smart contract interactions, and managing personal accounts across EVM networks.
• Protocol Open-source smart contract protocol providing money legos (Split, Waterfall, Swapper, and Diversifier modules) for building custom payment flows, designed to be stacked together or used individually and integrated directly by developers.
• Protocol Explorer Feature-rich web UI for every smart contract operation, allowing users to create, manage, and withdraw balances from Split, Waterfall, Swapper, and Diversifier contracts.
• Splits Connect Chromium browser extension that connects Splits Teams directly to other applications, enabling passkey signing, memo writing, and transaction simulation without switching tabs.
• Splits CLI Command-line interface for managing Splits accounts, including subaccount management, transaction proposal and execution, and improved transaction queries; distributed via npm as @splits/splits-cli.
• MCP Server Model Context Protocol server that enables AI agents such as Claude and OpenClaw to act on Splits accounts with granular, account-level permissions and signing authority without exposing seed phrases.
• SDK Software development kit (v4.0.0+) for integrating Splits contracts into third-party applications, with native JavaScript support and migration off The Graph's hosted subgraphs.
• SplitsKit Pre-built React component library (@0xsplits/splits-kit) for creating and viewing Splits in applications, minimally styled with light/dark modes, ENS support, and multichain compatibility.
• Splits Lite Lightweight version of Splits deployed on additional networks including Tempo Mainnet, Avalanche, and Hoodi, providing simplified onchain operations.

Quantifiable outcome

• $30M+ assets under management in 10 months of public beta
• +1 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability4 records

Feature12 records

Partnerships

Twelve partnerships are on record, tiered core.

• Paradigm (Centaur)coreStrategic or Co-development Partner · 10 June 2026Splits is building on and contributing to Centaur, Paradigm and Tempo's open-source agent runtime. Contributing access to tools like Sentry, CloudWatch, and Linear. Using Centaur for internal agents for bug reports, data analytics, and Linear issue shaping.
• UniswapcoreTechnology or Integration · 3 March 2026Integration to view and claim Uniswap v3 and v4 LP fees directly within Splits Teams. Splits detects LP positions, shows position size and unclaimed fees, and enables claiming directly into the Team account.
• ClankercoreTechnology or Integration · 3 February 2026Clanker fees are tracked and claimable directly in Splits Teams. Teams can set their account as the Reward Recipient Address to route fees to their Treasury and claim from the same dashboard.
• RelaycoreTechnology or Integration · 6 January 2026Powers cross-chain bridging and swap functionality. Enables sending tokens to any EVM network supported by Relay. Used for just-in-time bridging in smart accounts.
• HedgeycoreTechnology or Integration · 9 December 2025Integration with Hedgey for lock-up and vesting plan tracking and management directly within the Teams dashboard. Helps businesses with appcoins keep holders aligned and incentivized.
• SabliercoreTechnology or Integration · 9 December 2025Integration with Sablier for streaming vesting and token distribution tracking directly within Teams. Complements Hedgey integration for comprehensive token vesting management.
• TempocoreTechnology or Integration · 9 December 2025Tempo is a Stripe-incubated blockchain built for stablecoin payments. Splits is a launch partner of Tempo and is available the day Tempo launches. Deployed Splits Lite to Tempo Mainnet.
• PrivycoreTechnology or Integration · 17 March 2025Powers email-based account recovery for new Splits Teams. Users can add an email address as a recovery signer when creating a team. After confirming their email, that person can sign recovery transactions without connecting a wallet.
• BridgecoreTechnology or Integration · 11 March 2025Powers on- and off-ramp functionality for connecting US and EU bank accounts to Splits Teams. Users complete KYC/KYB through Bridge to enable fiat transfers. Splits charges 0.25% fee on Bridge transactions.
• ZoracoreOEM/ Whitelabel/ Licensing Partner · 16 January 2024Zora integrated Splits natively into their platform, making it easy for creators to split NFT rewards and revenue with collaborators directly from within Zora's NFT contract deployment flow.
• ChainlinkcoreTechnology or Integration · 16 January 2024Chainlink Oracle implementation audited and deployed, enabling Swapper contracts on L2s with reliable price feeds for automatic token swaps.
• WalletConnectcoreTechnology or IntegrationEnables connecting Splits smart accounts to other apps via WalletConnect. Smart accounts automatically connect on all supported chains when using WalletConnect.

Scale indicators4 records

Recent moves6 records

Expansion highlights2 records

Broad incumbents

• BitPay: BitPay is an established crypto payments processor offering merchant invoicing, payouts, and fiat settlement. It overlaps with Splits' invoicing and fiat on/off-ramp functionality as a larger incumbent with broader brand recognition.
• Fireblocks: Fireblocks is a leading institutional digital-asset custody, treasury, and settlement platform. It overlaps with Splits' Smart Accounts and cross-chain treasury capabilities but serves primarily institutional clients with a much broader product suite.
• Coinbase Commerce: Coinbase Commerce is a large, established crypto payments platform supporting merchant invoicing, payouts, and fiat conversion. It overlaps with Splits' invoicing and on/off-ramp offerings but as part of a broader exchange and institutional product portfolio.

Direct peers

• Coinshift: Coinsshift is a DAO and crypto-team treasury management platform that provides multisig-based accounts, batch payments, and accounting. It targets a near-identical customer base (DAOs and Web3 teams) with overlapping treasury and payment-distribution capabilities.
• Safe (formerly Gnosis Safe): Safe is the dominant multisig wallet standard for onchain teams and DAOs. It directly overlaps with Splits' Smart Accounts offering (cross-chain multisig with passkey authentication), serving the same onchain-treasury customer segment with shared-wallet functionality.
• Superfluid: Superfluid enables real-time token streaming payments on EVM chains. It competes with Splits for recurring payroll, contributor compensation, and continuous payment-flow use cases in the Web3 team treasury segment.
• Request Network: Request Network is an onchain invoicing and payment-requests protocol. It directly competes with Splits' Invoicing module for crypto-native billing, payment tracking, and reconciliation between Web3 freelancers and their clients.
• Sablier: Sablier provides onchain token streaming and vesting payment infrastructure. It is integrated into Splits' Teams dashboard and competes for the same payroll, vesting, and recurring-payment use cases Splits addresses via its core protocol.
• Hedgey: Hedgey offers onchain token lockup and vesting plan management. It is integrated into Splits' dashboard and directly overlaps with Splits' token-distribution and team-compensation workflows for crypto-native organizations.
• Multis: Multis is a Web3 banking and treasury platform for DAOs and crypto organizations, offering shared accounts, expense management, and onchain accounting—directly overlapping with Splits' Treasury product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/0xsplits
• GitHubgithub.com/0xSplits
• YouTubeyoutube.com/@0xsplits
• LinkedInlinkedin.com/company/0xsplits

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Splits Protocols