Cino

Cino provides a virtual Mastercard that enables users to split payments instantly at the point of sale by connecting to their existing bank accounts. Users create groups, set custom split ratios, and add the virtual card to digital wallets like Apple Pay or Google Pay to automate shared expenses for rent, dining, or travel. The service is designed for individuals who share recurring or one-off costs and eliminates the need for manual reimbursement apps or manual tracking.