Splice - Stop chasing your friends for your money. Get paid back.

Hey Product Hunt, I'm Fadhil. I built Splice because I was tired of chasing my friends for my money. Every week it was the same story. I'd front the gym rent for our basketball run, then spend days texting people to pay me back. Same thing on a California trip and with roommates. Fronting the cost was easy. Getting paid back was the hard part. Everyone said they'd Venmo or Zelle me but almost nobody did on time. So Splice does the collecting. You create a splice, add what you paid for, and share a link. Friends join in under 30 seconds with no account and no app, and pay with Apple Pay, Google Pay, or a card. You choose when it charges, whether that's when you're ready, at a set time, or automatically once enough people join. Before anything runs, everyone sees their exact share and can pause to talk it over. Then each person's card is charged and the money lands with you. I'd love your feedback on two things. What would make you trust an app that charges a group, and what group would you use this for first?