With Repay you easily keep record of money given to a single person or even split bills with multiple other peers once at the same time.

You share a transaction pool with each known peer, consisting of yourself and all mutually known other peers. Repay will provide overall balances for these pools to let you easily decide who has to pay next. In this way it is not only possible to repay others directly, but also to re-balance debts indirectly through other mutually known peers.

All transactions have to be accepted by the receiving peer and will not contribute to overall balances without this acknowledgment.

Note that no personal data has to be provided for account creation as randomly generated IDs are used to identify to other peers. Your Repay ID can be presented to others as QR code, to easily connect new peers.