The sketch at home page is a perfect example of circular debt—a situation where everyone owes money to someone else, but no one can pay because they're still waiting to get paid first.
On paper, the numbers may balance out. In reality, the entire system gets stuck because cash isn't moving.
It's a problem that goes far beyond comedy. Circular debt has affected businesses, supply chains, and even entire industries, where delayed payments create a chain reaction that slows everything down.
You don't need to understand blockchain math to save money and time.
Here is exactly how Settlement balances the books.
Enter what you spent or what you owe. You don't just split tabs with direct friends; you log items within a wider pool ecosystem.
Our algorithm looks at the entire matrix of user balances. If A owes B ₹10, B owes C ₹10, and C owes A ₹10, the ledger recognizes the loop instantly.
Instead of three separate clunky money transfers, the app reduces everyone's obligation safely down to ₹0. The system resolves liabilities efficiently across networks of any size.