we opened up public beta the other day (!!) so i recorded an end-to-end run through of the product, how it works, and how we use it. it's a purpose-built tool for onchain teams/projects to bank themselves on ethereum.

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Your assets keep earning interest until the second you pay someone. You can now move earn positions between internal accounts - no need to withdraw and redeposit.

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Update from the last week of shipping @splits, improvements to our swaps feature in Teams! Swap (and send) directly out of your USDC Aave position so your USDC is earning %% up until the moment before a swap! We also added a great timeline view for all Bridge transactions so you can watch value flow a lot more easily. Kudos to @matthew and Saif on the work and LMK what we should work on next!

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Handful of swap improvements in just went out. Better visibility, by showing bridge status inline w/ link to explorer. Better prices, by adding more providers (Velora). Fewer steps, by using Earn (yield bearing) positions - no need to withdraw first.

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Quick reflection on 2025, what we shipped, and what we're thinking about going into 2026 A few highlights: - US + EU bank transfers - browser extension (use Splits accounts natively on other apps) - payroll (including tax doc generation) - yield w/out locking up funds https://splits.org/blog/2025-in-review/

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Your yield-generating assets behave like normal tokens now. Swap them, bridge them, offramp them, use them for payroll. No separate “withdraw” step.

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handling accounts with tons of balances is challenging - open blockchains, low costs, sophisticated spammers... rn balances aren't returned by $ value (there is ~no sorting?), which means we need to do pricing + spam filtering on our end. which for thousands of tokens in batches of 100 is slow. will get better soon

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Each team can have different banks associated with them for on/offramps. This is helpful for keeping company/project assets separate from personal ones. Splits Labs = company banks connected Personal = personal bank connected https://splits.notion.site/On-offramping-18cf7c3c8eff80d4bc20c1403a126227

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Onwards

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yeah @matthew cooked on this one - new transaction designs just shipped! state change is always visible (know what's happening in a transaction, w/ link to tenderly simulation or trace). status row expands to show who signed when (with a nice popover showing more context on who).

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Now in prod: view and claim vesting streams and better filtering on the accounting view. https://splits.org/changelog/splits-changelog-view-and-claim-vesting-tokens/

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Quarterly reminder that splits team is goated 🐐 - Sent polygon to wallet before supported in splits. Team came out with a solution to solve for this issue. - Was getting annoyed with the wallet connect flow, they release a chrome extension. Thank you for that you do team. Happy holidays!

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Chrome extension is live in the web store! We recommend you install this if you're using Teams - lets you use your accounts (across any of your teams) elsewhere without relying on WalletConnect. https://chromewebstore.google.com/detail/splits/ghfacfafnbcgkielpaeifdpoggfeakif

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Use your app to distribute tokens that are managed in your Splits accounts. This lets builders: 1) safely manage treasury/appcoins (as a team or solo) 2) automate distributions of tokens to users 3) view all txns in Splits (w/ memos, accounting, balances, etc) Walkthrough here, instructions to follow.

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Seeing transactions and memos arrive in real time between apps (and browsers) has really cemented the whole "interoperability" piece for me.

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