Understand your wallet
Wallet, group fund or expense?
Start here to understand what each balance means — and which actions actually move money.
Three different things
In OnePlan, tracking money and transferring money are not interchangeable. An expense record explains who paid and how a cost is shared. A group-fund record tracks contributions and spending. The planned personal wallet is a separate way to hold and transfer supported digital assets.
| Feature | Purpose | Release status |
|---|---|---|
| Shared expenses | Track payer, participants and amounts owed. | Available in the current expense workflow |
| Group fund records | Track contributions and expenses paid from the group fund. | Available as bookkeeping; not a transfer |
| Personal wallet | Planned Privy-based wallet on Solana. | Not released |
| On-chain trip fund | Planned shared USDC fund with on-chain contributions and spending. | Not released |
How to read a balance
Ask what the number represents before acting on it. A settlement amount is a calculated obligation between people. A contribution marked as paid is a bookkeeping status. Neither is evidence that a bank transfer or blockchain transaction has completed.
For example, if you pay 600,000 VND for a meal shared by three people, the cost is 200,000 VND each. The two friends’ shares are amounts to reimburse you, not funds OnePlan has automatically collected.
Go to the right guide
What about merchant payments?
Paying a merchant is a separate transaction flow with its own eligibility, checks and status. Saving an expense does not trigger a merchant payment, and completing a merchant payment does not mean every group balance has been settled.