Clero
Pay, Request, Split
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Send and receive money directly between bank accounts with same-day settlement and zero transfer fees-no digital wallet needed. Clero combines direct bank payments, card transaction splitting via Plaid, receipt scanning, and group expense tracking into one app. • Fee-free direct transfers: Settle straight to bank accounts. • Smart splitting: Auto-detect subscriptions and scan receipts. • Group tracking: Roommate cycles, trip pools, and debt simplification.
PH · launched Sep 10, 2026 · 4 upvotes (top 8%) · 0 views
Niche: bill and expense splitting apps · 99 launches, 5 in the last 7 days ▼ -67% · Explore this niche →
Category and tags
- Fintech
- Workflow automation
- B2C
- Not AI
- Commercial product
- Fintech
- Payments
- Money
Visit website ↗ Source listing ↗
More like this: all 99 launches in bill and expense splitting apps →
Could you build this?
No Building a direct bank transfer and payment settlement app requires financial licensing, strict banking regulatory compliance (AML/KYC), and core payment rail integrations.
What it would actually take: A real fintech transfer system requires partner bank integrations (or banking-as-a-service providers like Column or Astra) to access FedNow, RTP, or ACH networks for direct account-to-account settlement. In addition to Plaid for account auth, it requires robust risk/fraud detection engines, money transmitter licenses (MTLs) across operating jurisdictions, and strict PCI/banking security compliance.
Competitors
Other products that read as similar to this one : 412 launches clear the similarity bar, closest 8 shown.
Attention rank: #21 of 413 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 311 days after the earliest competitor.
- Zeteo · ph · 2026-10-15 · 2 upvotes · similarity 0.57
- OweMe: Split Expenses · ph · 2026-10-16 · 1 upvotes · similarity 0.52
- FairOwe: Expense & Split · ph · 2026-10-01 · 2 upvotes · similarity 0.50
- Contri · ph · 2026-10-20 · 1 upvotes · similarity 0.49
- kisir · ph · 2026-10-31 · 2 upvotes · similarity 0.49
- SplitSlash · ph · 2026-10-25 · 1 upvotes · similarity 0.49
- Money Split · ph · 2026-11-06 · 2 upvotes · similarity 0.49
- Clust - Bill Split & Budget · ph · 2026-10-28 · 1 upvotes · similarity 0.49
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