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Splits
Splits is financial infrastructure for onchain builders and startups. Splits Treasury and Splits Personal are self-custodied multichain account products that combine banking operations (payroll, vendor payments, bank transfers, accounting) with programmable custody (multi-sig by default, passkey authentication, programmable recovery). Splits also maintains an open-source contract suite (Split, Waterfall, Swapper) that powers onchain payment flows.
- Authority
- 46 reach 0 · trust 10 · quality 21 · freshness 15
- Tier
- listed
- llms.txt
- https://splits.org/llms.txt
- Sections
- 8
- Links
- 24
- Size
- 9981 bytes
- Registered
- 1998-10-28
- Country
- United States Hosting inference
- Hosting country
- United States Hosting inference
- Country evidence
- No published address evidence collected yet
- Categories
- Finance and payments
- For agents
- Documentation: developer or product docs worth reading, nothing to call
- First seen
- 2026-10-25T04:51:55.860Z
- Last checked
- 2026-10-25T04:51:56.771Z
- Badge
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-25T04:51:55.864Z. Cached copy · Source on splits.org
# Splits
> Splits is financial infrastructure for onchain builders and startups. Splits Treasury and Splits Personal are self-custodied multichain account products that combine banking operations (payroll, vendor payments, bank transfers, accounting) with programmable custody (multi-sig by default, passkey authentication, programmable recovery). Splits also maintains an open-source contract suite (Split, Waterfall, Swapper) that powers onchain payment flows.
## Products
### Splits Treasury: Business banking for onchain startups
- [Product page](https://splits.org/treasury/)
- [App](https://app.splits.org/) — sign in or register, no paperwork
- [Docs](https://splits.org/docs/) — workspaces, members, accounts, signers, transactions; every page has a `.md` twin, plus [llms.txt](https://splits.org/docs/llms.txt) and [llms-full.txt](https://splits.org/docs/llms-full.txt)
Self-custodied multichain accounts with passkey auth and multi-sig by default. Configurable approval thresholds, subaccounts per revenue stream or project, automated token swaps on receipt, payroll, recurring vendor payments, bank transfers, fiat on/offramps, integrated yield, accounting exports, and read-only accountant access.
### Splits Personal: A wallet purpose-built for builders
- [Product page](https://splits.org/personal/)
- [App](https://app.splits.org/) — sign in or register, no paperwork
- [Docs](https://splits.org/docs/) — see [Personal usage](https://splits.org/docs/introduction/personal-usage/)
Self-custodied multichain wallets with passkey auth and multi-sig by default. Configurable approval thresholds, programmable recovery (hardware wallets, trusted contacts, timelocked backups), subaccounts, bank transfers, and fiat on/offramps.
## Security model
Every Splits account is a SmartVault: an audited ERC-4337 smart account (EntryPoint v0.7) deployed as a UUPS proxy, based on Coinbase's Smart Wallet. Source and audits: https://github.com/0xSplits/splits-contracts-monorepo (packages/smart-vaults). Deployed factory addresses per chain are in packages/smart-vaults/deployments/.
**Two layers of onchain control.** Every account has an owner and a signer set, and the owner outranks the signers: it can execute from the account directly and upgrade its implementation (upgrades are owner-only — no threshold of an account's own signers can reach the upgrade path, even via a self-call), and no threshold of the account's own signatures can modify, remove, or bypass the owner. Signers authorize transactions: passkeys and EOAs are equal-power signers counted against one m-of-n threshold, with no distinction by operation type and no per-signer scoping by target or function. Accounts form an ownership chain, fixed at creation and identical on every EVM network (addresses are CREATE2-deterministic): the org's root account sits at the top with no owner, controlled by your recovery wallets as its m-of-n signer set (1-of-1, 2-of-3, 3-of-5, or custom); the root owns the treasury acco
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