Xreos A book for money lent between friends
Friday night · four people · one bill
Everyone says it, and everyone forgets it. Xreos is the book where it stays written down: who lent how much to whom, when, and until when. When it's time to ask, Xreos has the first line ready. No bank, no money changing hands. Just what would otherwise get fuzzy in your head.
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How you remember it
Tom covers the whole bill. 84 euros, the four of us, we'll sort it out later.
What the book says
€84.00 split · 3 entries of €21.00 · Tom, Anna, Lea
01 · Split
Friday night, Tom covers the whole bill. In Xreos he types two things: the amount and how many people were at the table. From that, Xreos makes a separate entry for each person, with name, amount, and date. Not “the 84 euros from the other day” but “Anna, 21 euros, since Friday.” Try the math here; it's the same as in the app.
€84.00 ÷ 4, including you
Everyone else gets their own entry. Your share isn't added; you paid it.
02 · Two numbers
When you open Xreos, there are two numbers at the top. Never one. What you're owed and what you owe stay separate, because behind each number are different people and different due dates. Flip the switch and see what gets lost when you net them out.
You're owed
€63.50
Tom 40.00 · Anna 15.00 · Lea 8.50
You owe
€18.00
Mira 18.00 · due Oct 10
03 · Due dates
Every entry in Xreos has a due date, or is marked as having none. That's all you have to do: Xreos sorts entries into “Due,” “Coming up,” and “Later” on its own. Slide today's date back and forth and watch the same four entries change groups. Whatever is at the top is up next.
you're owed €40.00
you're owed €15.00 · you owe €18.00
you're owed €8.50
Today is Tuesday, October 6. “Coming up” means within the next seven days.
04 · Paying back
Tom has three open entries, €63.50 in all. He pays you back 30. Which entry does it go to? Xreos works that out: it's spread across the entries, oldest first, each one up to what's left on it. Drag the amount up and see how it's spread before you add it. Only what's paid back in full is done. The rest stays open, with its date.
Tom's open entries
€63.50
What the app would say Repayment saved.
It's spread starting with the oldest entry.
05 · Asking
Asking is the part nobody likes. That's why Xreos writes the first sentence for you. It knows the situation: due date passed, due date ahead, or none agreed. It fills in the name, amount, what it was for, and the date. You pick the tone, change whatever you like, and copy the text into your chat. Nothing gets sent on its own.
Hey Tom, quick reminder about the €40.00 for concert tickets. We had October 2 in mind. Would the next few days work for you?
In the app, the text sits in a field you can edit first.
Xreos doesn't send anything on its own. You decide whether and where to send it.
06 · Everyday life
I've already asked twice. If I ask a third time, I'm the guy nagging over 23 euros. So I let it go.
With Xreos: the groceries are in there as an entry with a date. When the time comes, you copy the reminder in the tone that suits you both and send it. Two days later you check it off, without it turning into a conversation.
Gas station, vacation rental, two dinners out. It's all somewhere in the group chat, between photos.
With Xreos: whoever pays adds it right then and splits it among everyone. At the end of the week, you can see what each person owes you: one number instead of four screenshots.
He borrowed 20 and paid something back at some point. Ten? Fifteen? You each remember it differently.
With Xreos: the repayment is in the history with its date, and the rest stays open. No arguing over memories; it's there in black and white. And if you want, you can forgive the rest.
Xreos doesn't move money and doesn't connect to any bank account. It notes what you sort out between yourselves.
He gets no invite and no email. What you write down is your business.
No automatic messages, no due dates imposed on you. Repayments and forgiven amounts can be undone.
Dark theme, search across people and entries. On your phone, Xreos is built for the phone, not a squeezed-down desktop page.
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