00 // GROUP EXPENSES & DEBT NETTING
@pozykbot
telegram-bot · shared-living · group-expenses · zero-install
A zero-install Telegram bot engineered for flatmates, Wohngemeinschaften (WG), group trips, and friends. Split group purchases, log micro-debts instantly, and collapse multi-way debts into the minimum number of transactions — directly where conversations already happen.
01 // WHY IN TELEGRAM
Traditional Expense Apps
- —Forces every flatmate to install yet another app and register accounts.
- —Cluttered with subscription paywalls, ads, or daily limits.
- —Isolated from the conversation: forgotten after the first week.
The @pozykbot Way
- +Zero install: Lives right in the Telegram group chat you already use daily.
- +Live inline autocomplete: Instant suggestions as you type amounts and items.
- +Indisputable chat log: Mutual confirmation guarantees «ніякого найоба».
02 // CORE ADVANTAGES
Zero Installation (Все в Telegram)
No app stores, no signups, no new passwords. Works right where flatmates and friends already communicate — directly in Telegram.
Instant Inline with Live Hints (Моментально з підказками)
Type @pozykbot 15 eur pizza in any private or group chat. Interactive suggestions generate on the fly as you type, logging expenses in two seconds.
In-Group Purchase Splitting (Спліт прямо в групі)
Run /split for shared grocery runs or flat supplies. Roommates tap interactive «Скинутися / Вийти» buttons, and the bot calculates fair shares automatically.
Smart Debt Minimization (Оптимізація переказів)
Instead of ten micro-transfers crisscrossing between four roommates, the netting engine reduces multi-way debts into the fewest direct transactions.
Chat-Backed Consensus («Ніякого найоба»)
Unilateral ghost debts are impossible. Debts require one-tap confirmation from the other party, and the complete audit trail stays permanently in the chat history.
Multi-Currency Freedom
Track expenses in EUR, USD, UAH or any currency you need. Balances are neatly grouped per currency without forced conversion fees.
03 // IN-CHAT EXPERIENCE
Max (@mbxnd)
@pozykbot 12.50 eur bakery & oat milk
Записано: @alex винен 12.50 EUR для @mbxnd
3 перехресні борги спрощено: замість трьох переказів достатньо однієї транзакції @sophia → @alex: 15.00 EUR.
04 // TYPICAL SCENARIOS
Shared Flat Supplies
Detergent, olive oil, coffee beans, toilet paper, or communal utility bills. Everyone chips in with a tap, no manual math needed.
Dinners & Group Trips
Splitting group dinners, takeout, taxi rides, or Airbnb expenses without one person having to awkwardly chase down five friends.
«Grab this on your way»
When a flatmate picks up bread or pharmacy items on request, log it inline in five seconds before it gets forgotten.
Stop doing roommate math manually.
Keep expenses clean, transparent, and settled in the very same Telegram chats where you already live and talk.
Open @pozykbot on Telegram