About us
$1B+
Bills split
150,000+
Members who stopped stressing
95%
Stay month after month
The missing layer
Credit infrastructure wasn’t built for how people actually get paid. We’re building what’s missing.
Income arrives on
a schedule.
Bills don’t.
For the 67% of Americans living paycheck to paycheck, the problem isn’t overspending. It’s that rent, car payments, and insurance all land at once while income arrives in intervals. That timing mismatch creates overdrafts, late fees, and cascading stress for otherwise stable households.
This is a physics problem, not a behavior problem. And it’s invisible to traditional credit infrastructure.
Lens AI
sees what
FICO can’t.
FICO measures the wrong thing. Lens AI evaluates real-time cash flow, behavioral patterns, and stability signals to predict whether someone will make a specific payment given their actual financial rhythm, not a static score.
The results validate the thesis: removing reliance on traditional credit scores expanded approvals to previously excluded segments without increasing loss rates.
Who we are
Passionate technologists with decades of experience across finance, real estate,
consumer, security, and beyond.
Backed by
Vinod Khosla
Khosla Ventures
Split Pay is turning a large, unavoidable monthly expense into a financial health tool.
Packy McCormick
Not Boring
This is the right product at the right time. The team is thinking big about the housing problem in America.
Sam Lessin
Slow Ventures
The dual-sided approach caught my attention: less friction for landlords, a path to homeownership for renters.
Vince Hankes
Thrive Capital
The team has an incredible track record building exceptional consumer finance products.