borch.

Borch. is a group payment app that lets friends and communities manage shared expenses using stablecoins. Whether you’re sharing the bill at dinner, splitting a Netflix subscription, or traveling as a group - borch. gives you a shared virtual card, keeps track of who paid what, and settles everything instantly with USDC. No crypto knowledge needed. Just sign in with Google, get a wallet and your own ENS name, and start paying together.

Instant Onboarding with Dynamic: We use Dynamic to make sign-up feel like a familiar Web2 app. -Log in with Google — no wallet extensions, no seed phrases. -Get an embedded, gasless wallet instantly. -Enjoy a smooth account abstraction flow that hides all blockchain complexity.

But what makes this stack truly powerful is how Dynamic, Rain, and Circle work together. Rain is integrated as a card issuer, allowing users to top up their balance directly from a debit or credit card. This makes on-ramping as easy as using a traditional app. Dynamic supports EVM chains, Solana, and Sui, ensuring wide compatibility across ecosystems. And Circle’s CCTP powers native USDC transfers between chains. With this setup, users can:

• Create a wallet in seconds -Top up with a card -Spend and settle in native USDC All without even realizing they’re interacting with Web3. This trio pushes cross-chain usability to the next level.

Your Web3 Identity, Simplified with ENS: Every user gets a unique ENS subname (like alice.borch.eth). -No more copying wallet addresses. -Use your ENS name to send/receive payments inside the app. -Profile pictures and metadata are added through ENS text records.

Private Shared Cards with Oasis (Sapphire + ROFL): Each group gets a virtual card: -Card is generated securely inside a TEE with ROFL. -Details are encrypted and stored privately on Oasis Sapphire. -Only verified group members can access and use it. -On-chain activity is visible, but sensitive data stays private. -TEE not only to secure card creation, but also to privately track all group spending and settlements. -ROFL also manages treasury limits dynamically: group spending behavior automatically increases or restricts card usage over time.

Instant USDC Settlement with Circle CCTP: Debt settlement is handled with Circle’s Cross-Chain Transfer Protocol: -Native USDC across chains — no bridges, no wrapping. -Transactions are fast, low-cost, and final. -Group members can repay from any supported chain.

With shared virtual cards, stablecoin transfers, and built-in privacy, borch. makes group payments simpler, faster, and more flexible than traditional tools like Splitwise.