TatraShare

Inspiration

Shared money has always been awkward. You cover the Airbnb for a group trip and spend the next three weeks chasing six different people. Your roommate always "forgets" their share of the electricity bill. You split a dinner with colleagues you rarely see and never get paid back. What if all of that were to disappear? Not just bill splitting, full shared financial life management. Pool money with your household without a fixed target. Set a recurring savings goal for that trip abroad. Send a one-time charge to everyone at last Friday's steakhouse. One app, every scenario.

What it does

TatraShare puts you in control of every shared money situation you will ever face. Create a group with whoever you need: roommates, travel buddies, family, colleagues and choose how you want to manage money together. Pools let you collect contributions at your own pace with no fixed target or deadline. Goals set a savings milestone with optional recurring reminders and prepayment. One-time charges let you split a single expense instantly, even with people you rarely see. Receipts are scanned and parsed automatically, with AI sorting the items, splitting them fairly, and categorizing every transaction. You always know exactly who owes what, and why.

We are FAST

One of our most defining and game-changing features is also the most self-evident. TatraShare is one of only two solutions worldwide (as far as we know) that handles bill splitting automatically and instantaneously. Why wait on people to send you money? With TatraUltraFastPay™, every group member connects their card once, and each person receives a shared virtual card added directly to Apple Pay or Google Pay. From that point on, whenever any group member pays, every other member is charged their share in the same instant. No request sent. No transfer pending. No reminder needed. The bill is settled before you leave the table.

How we built it

Auth0 handles authentication with bank credentials or standard email and phone. PSD2 open banking APIs manage card-level transactions across group members. Receipt images are uploaded and stored on DigitalOcean Spaces, where they feed directly into a Gemini API pipeline that parses line items, suggests categories, learns splitting preferences per group, and powers a contextual in-app chatbot. Slovak receipts additionally run through eKasa for ground-truth merchant data. All user, group, transaction, and balance data lives in MongoDB Atlas, whose flexible document model handles the variable structure of group expenses cleanly. Group invites work via QR code, invite code, phone, email, or name lookup within the same bank. Virtual IBANs are provisioned for savings goals.

Challenges we ran into

API access.

Accomplishments that we're proud of

TatraShare creates a customer acquisition engine for Tatra Banka built into everyday use. When one person in a group already banks with Tatra Banka and invites others, every non-TB member gets onboarded into the Tatra Banka-hosted platform. The roommate who pays rent through TatraShare, the friend who splits groceries, the colleague from last Friday's dinner: they all become Tatra Banka leads through natural, organic usage. Without any ad spend or outreach. Simply the product doing its job.

What we learned

Shared finances are uncomfortable because of social friction, not technical complexity. The solution was never a smarter calculator. We also learned that the Gemini API handles far more than we expected when given a well-defined task.

What's next for TatraShare

Global domination. On the payments side, TatraShare already supports Solana as a settlement option, and we see crypto-native users as a natural expansion audience as the product matures.