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1<link rel="icon" href="/favicon.ico" sizes="any"/><link rel="icon" type="image/png" sizes="32x32" href="/settle-pwa-icons/icon-32x32.png"/><link rel="icon" type="image/png" sizes="16x16" href="/settle-pwa-icons/icon-16x16.png"/><link rel="apple-touch-icon" sizes="180x180" href="/apple-touch-icon.png"/><link rel="apple-touch-icon" sizes="152x152" href="/settle-pwa-icons/apple-touch-icon-152x152.png"/><meta name="next-size-adjust" content=""/><meta name="theme-color" content="#f7f5f0" media="(prefers-color-scheme: light)"/><meta name="theme-color" content="#0b1512" media="(prefers-color-scheme: dark)"/><title>Settle | Track Debts and Get Paid Back</title><meta name="description" content="Settle helps you track money owed between friends, family, clients, and colleagues, send friendly reminders, record payments, and settle debts without awkward conversations."/><meta name="application-name" content="Settle"/><link rel="manifest" href="/manifest.webmanifest"/><meta name="keywords" content="debt tracker,debt tracking app Nigeria,money owed tracker,personal debt manager,payment reminder app,split bills with friends,track money friends owe,IOU tracker,offline debt tracker"/><link rel="canonical" href="https://micro-debt-settler.vercel.app"/><meta name="format-detection" content="telephone=no"/><meta name="mobile-web-app-capable" content="yes"/><meta name="apple-mobile-web-app-title" content="Settle"/><meta name="apple-mobile-web-app-status-bar-style" content="default"/><meta property="og:title" content="Settle | Track Debts and Get Paid Back"/><meta property="og:description" content="Settle helps you track money owed between friends, family, clients, and colleagues, send friendly reminders, record payments, and settle debts without awkward conversations."/><meta property="og:url" content="https://micro-debt-settler.vercel.app"/><meta property="og:site_name" content="Settle"/><meta property="og:locale" content="en_NG"/><meta property="og:image" content="https://micro-debt-settler.vercel.app/og-image.png"/><meta property="og:image:width" content="1536"/><meta property="og:image:height" content="1024"/><meta property="og:image:alt" content="Settle | Track Debts and Get Paid Back"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Settle | Track Debts and Get Paid Back"/><meta name="twitter:description" content="Settle helps you track money owed between friends, family, clients, and colleagues, send friendly reminders, record payments, and settle debts without awkward conversations."/><meta name="twitter:image" content="https://micro-debt-settler.vercel.app/og-image.png"/><link rel="icon" href="/favicon.ico?favicon.3dq6vw9as1p_c.ico" sizes="48x48" type="image/x-icon"/>
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1</head><body class="sfpro_306fb471-module__MqlB3a__variable manrope_faa9a9c6-module__-2xTTG__variable geist_mono_8d43a2aa-module__8Li5zG__variable antialiased"><div hidden=""><!--$--><!--/$--></div><a href="#main-content" class="sr-only focus:not-sr-only focus:absolute focus:z-100 focus:top-4 focus:left-4 focus:px-4 focus:py-2 focus:bg-primary focus:text-primary-foreground focus:rounded-md focus:outline-none">Skip to content</a><section aria-label="Notifications alt+T" tabindex="-1" aria-live="polite" aria-relevant="additions text" aria-atomic="false"></section><div><nav class="sticky top-0 left-0 right-0 z-50 transition-all duration-300 bg-[#1A1F36]"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10"><div class="flex items-center justify-between h-16 md:h-20"><a class="flex items-center gap-2 group" href="/"><div class="relative"><img alt="settle logo" fetchPriority="high" loading="eager" width="210" height="50" decoding="async" data-nimg="1" class="h-9 w-auto md:h-11" style="color:transparent" src="/settle-icon-text-white.png"/></div></a><div class="hidden lg:flex items-center gap-8"><a class="text-white font-manrope hover:text-primary transition-colors font-medium" href="/#features">Features</a><a class="text-white font-manrope hover:text-primary transition-colors font-medium" href="/#how-it-works">How It Works</a><a class="text-white font-manrope hover:text-primary transition-colors font-medium" href="/#pricing">Pricing</a><a class="text-white font-manrope hover:text-primary transition-colors font-medium" href="/about">About</a><a class="text-white font-manrope hover:text-primary transition-colors font-medium" href="/blog">Blog</a></div><div class="hidden lg:flex items-center gap-4"><a class="text-white hover:text-primary transition-colors font-medium" href="/login">Login</a><a class="px-6 py-2.5 rounded-full bg-primary text-primary-foreground hover:bg-primary/90 transition-all hover:scale-105 font-semibold shadow-lg" href="/register">Get Started</a></div><button class="lg:hidden p-2 rounded-lg hover:bg-accent transition-colors" aria-label="Toggle menu"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-white"><path d="M3 4H21V6H3V4ZM3 11H21V13H3V11ZM3 18H21V20H3V18Z"></path></svg></button></div></div></nav><main><main class="min-h-screen">
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1<section class="relative flex min-h-[calc(100svh-4rem)] items-center overflow-hidden bg-[#1A1F36] py-20 text-ink-foreground md:min-h-[calc(100svh-5rem)] md:py-28 lg:py-32"><div aria-hidden="true" class="absolute inset-0 dot-grid text-ink-foreground/40"></div><div aria-hidden="true" class="absolute inset-0 overflow-hidden"><div class="absolute -top-32 right-[10%] h-96 w-96 rounded-full bg-mint/10 blur-3xl"></div><div class="absolute bottom-[10%] left-[5%] h-72 w-72 rounded-full bg-amber-warm/8 blur-3xl"></div></div><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10 relative z-10"><div class="grid items-center gap-12 lg:grid-cols-2 lg:gap-16"><div class="flex flex-col items-center text-center lg:items-start lg:text-left"><div class="mb-8 inline-flex items-center gap-2 rounded-full border border-mint/25 bg-mint/10 px-4 py-2" style="opacity:0;transform:translateY(20px)"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="currentColor" class="remixicon text-mint"><path d="M14 4.4375C15.3462 4.4375 16.4375 3.34619 16.4375 2H17.5625C17.5625 3.34619 18.6538 4.4375 20 4.4375V5.5625C18.6538 5.5625 17.5625 6.65381 17.5625 8H16.4375C16.4375 6.65381 15.3462 5.5625 14 5.5625V4.4375ZM1 11C4.31371 11 7 8.31371 7 5H9C9 8.31371 11.6863 11 15 11V13C11.6863 13 9 15.6863 9 19H7C7 15.6863 4.31371 13 1 13V11ZM4.87601 12C6.18717 12.7276 7.27243 13.8128 8 15.124 8.72757 13.8128 9.81283 12.7276 11.124 12 9.81283 11.2724 8.72757 10.1872 8 8.87601 7.27243 10.1872 6.18717 11.2724 4.87601 12ZM17.25 14C17.25 15.7949 15.7949 17.25 14 17.25V18.75C15.7949 18.75 17.25 20.2051 17.25 22H18.75C18.75 20.2051 20.2051 18.75 22 18.75V17.25C20.2051 17.25 18.75 15.7949 18.75 14H17.25Z"></path></svg><span class="text-sm font-medium">Track. Remind. Settle.</span></div><h1 class="mb-6 font-sf-pro text-3xl font-bold tracking-tight sm:text-5xl md:text-6xl xl:text-7xl" style="opacity:0;transform:translateY(20px)">Money between friends,<br/><span class="text-mint">settled.</span></h1><p class="mb-10 max-w-xl text-lg text-ink-foreground/60 sm:text-xl" style="opacity:0;transform:translateY(20px)">The simplest way to track debts, send friendly reminders, and get paid back. No awkward conversations. Just settled debts.</p><div class="mb-14 flex flex-col gap-4 sm:flex-row" style="opacity:0;transform:translateY(20px)"><a class="group inline-flex items-center justify-center gap-2 rounded-full bg-primary px-8 py-4 text-lg font-semibold text-primary-foreground transition-all hover:scale-105 hover:bg-primary/90" href="/register">Get Started Free<svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="20" height="20" fill="currentColor" class="remixicon transition-transform group-hover:translate-x-1"><path d="M16.1716 10.9999L10.8076 5.63589L12.2218 4.22168L20 11.9999L12.2218 19.778L10.8076 18.3638L16.1716 12.9999H4V10.9999H16.1716Z"></path></svg></a><a class="inline-flex items-center justify-center gap-2 rounded-full border border-ink-foreground/20 px-8 py-4 text-lg font-semibold transition-colors hover:bg-ink-foreground/10" href="#features">See How It Works</a></div><div class="grid w-full max-w-xl grid-cols-3 gap-8" style="opacity:0;transform:translateY(20px)"><div class="flex flex-col items-center lg:items-start"><div class="mb-2 h-10 w-24 animate-pulse rounded bg-ink-foreground/10"></div><div class="h-4 w-20 animate-pulse rounded bg-ink-foreground/10"></div></div><div class="flex flex-col items-center lg:items-start"><div class="mb-2 h-10 w-24 animate-pulse rounded bg-ink-foreground/10"></div><div class="h-4 w-20 animate-pulse rounded bg-ink-foreground/10"></div></div><div class="flex flex-col items-center lg:items-start"><div class="mb-2 h-10 w-24 animate-pulse rounded bg-ink-foreground/10"></div><div class="h-4 w-20 animate-pulse rounded bg-ink-foreground/10"></div></div></div></div><div class="mx-auto w-full max-w-md" style="opacity:0;transform:translateY(32px)"><div class="relative rounded-3xl bg-[#f7f5f0] p-5 text-[#16211c] shadow-2xl sm:p-6"><div class="mb-4 flex items-center justify-between"><p class="text-sm font-semibold">Your ledger</p><span class="flex items-center gap-1.5 text-[11px] text-[#16211c]/50"><span class="h-1.5 w-1.5 animate-pulse rounded-full bg-positive"></span>live</span></div><div class="flex items-center gap-3 border-b border-[#16211c]/10 py-3 opacity-45"><span class="flex h-9 w-9 items-center justify-center rounded-full bg-[#16211c] text-sm text-[#f7f5f0]">T</span><div class="min-w-0 flex-1"><p class="truncate text-sm font-medium">Tunde owed you</p><p class="truncate text-xs text-[#16211c]/50">Fuel money · settled last week</p></div><p class="money text-sm font-semibold line-through">+â¦8,000</p></div><div class="relative min-h-19"><div class="relative flex items-center gap-3 overflow-hidden py-3" style="opacity:0;transform:translateX(48px)"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-full bg-[#16211c] text-sm text-[#f7f5f0]">A</span><div class="min-w-0 flex-1"><p class="truncate text-sm font-medium">Ada owes you</p><p class="truncate text-xs text-[#16211c]/50">Jollof catering · due Friday</p></div><div class="flex shrink-0 items-center gap-2"><span class="rounded-full px-2 py-0.5 text-[10px] font-semibold uppercase tracking-wide transition-colors duration-500 bg-[#16211c]/8 text-[#16211c]/60">Pending</span><p class="money text-base font-semibold text-positive">+â¦12,500</p></div></div></div><div class="mt-3 flex items-center justify-between rounded-2xl bg-[#16211c] px-4 py-3 text-[#f7f5f0]"><p class="text-[11px] uppercase tracking-wider text-[#f7f5f0]/50">Net position</p><p class="money text-lg font-semibold text-mint">+â¦12,500</p></div></div></div></div></div><div class="absolute bottom-8 left-1/2 hidden -translate-x-1/2 lg:block" style="opacity:0"><div class="h-10 w-6 rounded-full border-2 border-ink-foreground
1/20 p-1"><div class="mx-auto h-2 w-1 rounded-full bg-ink-foreground/40"></div></div></div></section><section id="features" class="py-20 md:py-32 bg-background"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10"><div class="mb-16 max-w-2xl md:mb-24" style="opacity:0;transform:translateY(20px)"><p class="text-sm font-semibold uppercase tracking-[0.2em] text-primary">Features</p><h2 class="mt-4 text-3xl font-bold sm:text-4xl md:text-5xl">Everything you need to settle up</h2><p class="mt-5 text-lg text-muted-foreground md:text-xl">Powerful features designed to make debt tracking effortless and payment collection seamless.</p></div><div class="grid grid-cols-1 gap-6 md:grid-cols-2"><div class="flex flex-col gap-y-4 bg-primary/5 p-8" style="opacity:0;transform:translateY(24px)"><svg xmlns="http://www.w3.org/2000/svg" width="28" height="28" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-sparkle text-primary" aria-hidden="true"><path d="M11.017 2.814a1 1 0 0 1 1.966 0l1.051 5.558a2 2 0 0 0 1.594 1.594l5.558 1.051a1 1 0 0 1 0 1.966l-5.558 1.051a2 2 0 0 0-1.594 1.594l-1.051 5.558a1 1 0 0 1-1.966 0l-1.051-5.558a2 2 0 0 0-1.594-1.594l-5.558-1.051a1 1 0 0 1 0-1.966l5.558-1.051a2 2 0 0 0 1.594-1.594z"></path></svg><h3 class="text-2xl font-bold">AI Magic Reminders</h3><p class="leading-relaxed text-muted-foreground">Auto-generate polite, firm, or funny reminder text in seconds â never write an awkward message again.</p></div><div class="flex flex-col gap-y-4 bg-primary/5 p-8" style="opacity:0;transform:translateY(24px)"><svg xmlns="http://www.w3.org/2000/svg" width="28" height="28" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-scissors text-primary" aria-hidden="true"><circle cx="6" cy="6" r="3"></circle><path d="M8.12 8.12 12 12"></path><path d="M20 4 8.12 15.88"></path><circle cx="6" cy="18" r="3"></circle><path d="M14.8 14.8 20 20"></path></svg><h3 class="text-2xl font-bold">Smart Bill Splitting</h3><p class="leading-relaxed text-muted-foreground">Type a messy note about who got what and let AI work out the fair split. Handles uneven splits and group bills automatically.</p></div></div><div class="mt-16 space-y-12 md:mt-20"><div><h3 class="text-xs font-semibold uppercase tracking-[0.2em] text-muted-foreground">Core</h3><div class="mt-5 grid grid-cols-1 divide-y divide-border md:grid-cols-2 md:divide-y-0 md:gap-x-10"><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-alarm-clock mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><circle cx="12" cy="13" r="8"></circle><path d="M12 9v4l2 2"></path><path d="M5 3 2 6"></path><path d="m22 6-3-3"></path><path d="M6.38 18.7 4 21"></path><path d="M17.64 18.67 20 21"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Smart reminders</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Automated payment reminders with customizable sensitivity.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-users mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"></path><path d="M16 3.128a4 4 0 0 1 0 7.744"></path><path d="M22 21v-2a4 4 0 0 0-3-3.87"></path><circle cx="9" cy="7" r="4"></circle></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Contact management</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Track friends, family, colleagues, debtors, and creditors.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-bell mt-0.5 shrink-0 text-foreground
1/70" aria-hidden="true"><path d="M10.268 21a2 2 0 0 0 3.464 0"></path><path d="M3.262 15.326A1 1 0 0 0 4 17h16a1 1 0 0 0 .74-1.673C19.41 13.956 18 12.499 18 8A6 6 0 0 0 6 8c0 4.499-1.411 5.956-2.738 7.326"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Instant notifications</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Real-time alerts via email, SMS, and push.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calendar mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><path d="M8 2v4"></path><path d="M16 2v4"></path><rect width="18" height="18" x="3" y="4" rx="2"></rect><path d="M3 10h18"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Flexible due dates</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Custom payment deadlines with automatic countdowns.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-globe mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 2a14.5 14.5 0 0 0 0 20 14.5 14.5 0 0 0 0-20"></path><path d="M2 12h20"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Multi-currency</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Track and convert debts globally with real-time rates.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-smartphone mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><rect width="14" height="20" x="5" y="2" rx="2" ry="2"></rect><path d="M12 18h.01"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">PWA ready</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Works offline and installable on any device instantly.</p></div></div></div></div><div><h3 class="text-xs font-semibold uppercase tracking-[0.2em] text-muted-foreground">Payments</h3><div class="mt-5 grid grid-cols-1 divide-y divide-border md:grid-cols-2 md:divide-y-0 md:gap-x-10"><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-credit-card mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><rect width="20" height="14" x="2" y="5" rx="2"></rect><line x1="2" x2="22" y1="10" y2="10"></line></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Multiple methods</h4></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Paystack, Flutterwave, Stripe, PayPal, and bank transfer.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-refresh-cw mt-0.5 shrink-0 text-foreground
1/70" aria-hidden="true"><path d="M3 12a9 9 0 0 1 9-9 9.75 9.75 0 0 1 6.74 2.74L21 8"></path><path d="M21 3v5h-5"></path><path d="M21 12a9 9 0 0 1-9 9 9.75 9.75 0 0 1-6.74-2.74L3 16"></path><path d="M8 16H3v5"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Calendar sync</h4><span class="rounded-full bg-amber-warm/15 px-2 py-0.5 text-[10px] font-bold uppercase tracking-wider text-amber-warm">Soon</span></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Link payment events directly to your personal calendar.</p></div></div></div></div><div><h3 class="text-xs font-semibold uppercase tracking-[0.2em] text-muted-foreground">Advanced</h3><div class="mt-5 grid grid-cols-1 divide-y divide-border md:grid-cols-2 md:divide-y-0 md:gap-x-10"><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chart-column mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><path d="M3 3v16a2 2 0 0 0 2 2h16"></path><path d="M18 17V9"></path><path d="M13 17V5"></path><path d="M8 17v-3"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Debt analytics</h4><span class="rounded-full bg-amber-warm/15 px-2 py-0.5 text-[10px] font-bold uppercase tracking-wider text-amber-warm">Soon</span></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Visual charts, spending insights, and payment patterns.</p></div></div><div class="flex gap-x-4 border-t border-border py-5 first:border-t-0 md:border-t md:first:border-t md:py-6" style="opacity:0;transform:translateY(16px)"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-repeat mt-0.5 shrink-0 text-foreground/70" aria-hidden="true"><path d="m17 2 4 4-4 4"></path><path d="M3 11v-1a4 4 0 0 1 4-4h14"></path><path d="m7 22-4-4 4-4"></path><path d="M21 13v1a4 4 0 0 1-4 4H3"></path></svg><div><div class="flex items-center gap-x-2"><h4 class="font-semibold">Recurring bills</h4><span class="rounded-full bg-amber-warm/15 px-2 py-0.5 text-[10px] font-bold uppercase tracking-wider text-amber-warm">Soon</span></div><p class="mt-1 text-sm leading-relaxed text-muted-foreground">Perfect for rent, utilities, and subscription management.</p></div></div></div></div></div><div class="mt-16 flex flex-col items-start justify-between gap-6 border-t border-border pt-10 sm:flex-row sm:items-center md:mt-24" style="opacity:0;transform:translateY(20px)"><div><h3 class="text-2xl font-bold">Ready to get started?</h3><p class="mt-1 text-muted-foreground">Start tracking your debts today and never lose money again.</p></div><a href="/register" class="whitespace-nowrap rounded-full bg-primary px-6 py-3 text-lg font-semibold text-primary-foreground transition-opacity hover:opacity-90">Start Free Trial</a></div></div></section><section class="py-20 bg-[#1A1F36] relative overflow-hidden"><div class="absolute top-0 left-0 w-full h-full overflow-hidden pointer-events-none"><div class="absolute top-10 left-10 text-white/5 text-9xl font-black select-none">AI</div><div class="absolute bottom-10 right-10 text-white/5 text-9xl font-black select-none">â¨</div></div><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10 relative z-10"><div class="grid lg:grid-cols-2 gap-12 items-center mb-32"><div><div class="inline-flex items-center gap-2 px-3 py-1 rounded-full bg-[#2CD3C1]/20 border border-[#2CD3C1]/30 mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-sparkles text-[#2CD3C1]" aria-hidden="true"><path d="M11.017 2.814a1 1 0 0 1 1.966 0l1.051 5.558a2 2 0 0 0 1.594 1.594l5.558 1.051a1 1 0 0 1 0 1.966l-5.558 1.051a2 2 0 0 0-1.594
11.594l-1.051 5.558a1 1 0 0 1-1.966 0l-1.051-5.558a2 2 0 0 0-1.594-1.594l-5.558-1.051a1 1 0 0 1 0-1.966l5.558-1.051a2 2 0 0 0 1.594-1.594z"></path><path d="M20 2v4"></path><path d="M22 4h-4"></path><circle cx="4" cy="20" r="2"></circle></svg><span class="text-[#2CD3C1] text-xs font-bold tracking-wide uppercase">Magic Messages</span></div><h2 class="text-3xl md:text-4xl font-extrabold text-white mb-4">Awkward texts? <br/><span class="text-[#A9D6FF]">Let AI handle it.</span></h2><p class="text-slate-400 text-lg mb-8">Don't know how to ask for your money back? Use our generator to draft the perfect text, from polite nudges to firm reminders.</p></div><div class="bg-white rounded-2xl p-6 md:p-8 shadow-2xl border border-slate-700/50"><form class="space-y-4"><div class="grid grid-cols-2 gap-4"><div><label class="block text-xs font-bold text-slate-500 uppercase mb-1">Who owes you?</label><input type="text" placeholder="Ex: Roommate" class="w-full bg-slate-50 border border-slate-200 rounded-lg px-4 py-3 text-slate-900 focus:outline-none focus:ring-2 focus:ring-[#2CD3C1] transition-all" value=""/></div><div><label class="block text-xs font-bold text-slate-500 uppercase mb-1">How much?</label><input type="text" placeholder="Ex: 50" class="w-full bg-slate-50 border border-slate-200 rounded-lg px-4 py-3 text-slate-900 focus:outline-none focus:ring-2 focus:ring-[#2CD3C1] transition-all" value=""/></div></div><div><label class="block text-xs font-bold text-slate-500 uppercase mb-1">Pick a Vibe</label><div class="grid grid-cols-3 gap-2"><button type="button" class="text-sm py-2 px-1 rounded-lg font-medium border transition-all bg-[#1A1F36] text-white border-[#1A1F36]">Polite</button><button type="button" class="text-sm py-2 px-1 rounded-lg font-medium border transition-all bg-white text-slate-600 border-slate-200 hover:border-[#2CD3C1] hover:text-[#2CD3C1]">Funny</button><button type="button" class="text-sm py-2 px-1 rounded-lg font-medium border transition-all bg-white text-slate-600 border-slate-200 hover:border-[#2CD3C1] hover:text-[#2CD3C1]">Firm</button><button type="button" class="text-sm py-2 px-1 rounded-lg font-medium border transition-all bg-white text-slate-600 border-slate-200 hover:border-[#2CD3C1] hover:text-[#2CD3C1]">Shakespearean</button><button type="button" class="text-sm py-2 px-1 rounded-lg font-medium border transition-all bg-white text-slate-600 border-slate-200 hover:border-[#2CD3C1] hover:text-[#2CD3C1]">Passive Aggressive</button><button type="button" class="text-sm py-2 px-1 rounded-lg font-medium border transition-all bg-white text-slate-600 border-slate-200 hover:border-[#2CD3C1] hover:text-[#2CD3C1]">Gen Z</button></div></div><button disabled="" class="w-full bg-primary text-primary-foreground font-bold py-4 rounded-xl hover:bg-primary/90 transition-all disabled:opacity-50 disabled:cursor-not-allowed flex justify-center items-center gap-2">Generate Magic Message â¨</button><p class="text-xs text-slate-500 text-center">2<!-- --> demo attempts left</p></form></div></div><div class="w-full h-px bg-slate-700/50 my-24"></div><div class="grid lg:grid-cols-2 gap-12 items-center"><div class="order-2 lg:order-1 bg-white rounded-2xl shadow-2xl border border-slate-700/50 overflow-hidden flex flex-col md:flex-row h-auto md:h-100"><div class="p-6 md:p-8 flex-1 flex flex-col"><label class="block text-xs font-bold text-slate-500 uppercase mb-2">Paste your messy notes</label><textarea class="w-full flex-1 bg-slate-50 border border-slate-200 rounded-lg p-4 text-sm text-slate-800 focus:outline-none focus:ring-2 focus:ring-[#2CD3C1] resize-none mb-4" placeholder="Ex: Uber ride cost $45. Mike and I split it evenly...">I paid $120 for dinner at Tasty spoons. Divine had the rice & chicken ($45), Stefan had a pepper soup ($15), and I covered the rest including tip.</textarea><button class="w-full bg-[#1A1F36] text-white font-bold py-3 rounded-lg hover:bg-[#2b324a] transition-all disabled:opacity-50 disabled:cursor-not-allowed flex justify-center items-center gap-2"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-scissors" aria-hidden="true"><circle cx="6" cy="6" r="3"></circle><path d="M8.12 8.12 12 12"></path><path d="M20 4 8.12 15.88"></path><circle cx="6" cy="18" r="3"></circle><path d="M14.8 14.8 20 20"></path></svg>Split It</button><p class="mt-2 text-xs text-slate-500 text-center">2<!-- --> demo attempts left</p></div><div class="bg-slate-100 p-6 md:p-8 w-full md:w-72 border-t md:border-t-0 md:border-l border-slate-200 relative flex flex-col"><div class="absolute top-0 left-0 w-full h-2 bg-[linear-gradient(45deg,transparent_25%,#cbd5e1_25%,#cbd5e1_50%,transparent_50%,transparent_75%,#cbd5e1_75%,#cbd5e1_100%)] bg-size-[10px_10px]"></div><div class="flex-1 flex flex-col items-center justify-center text-slate-400 text-center"><svg xmlns="http://www.w3.org/2000/svg" width="48" height="48" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-receipt mb-4 opacity-20" aria-hidden="true"><path d="M12 17V7"></path><path d="M16 8h-6a2 2 0 0 0 0 4h4a2 2 0 0 1 0 4H8"></path><path d="M4 3a1 1 0 0 1 1-1 1.3 1.3 0 0 1 .7.2l.933.6a1.3 1.3 0 0 0 1.4 0l.934-.6a1.3 1.3 0 0 1 1.4 0l.933.6a1.3 1.3 0 0 0 1.4 0l.933-.6a1.3 1.3 0 0 1 1.4 0l.934.6a1.3 1.3 0 0 0 1.4 0l.933-.6A1.3 1.3 0 0 1 19 2a1 1 0 0 1 1 1v18a1 1 0 0 1-1 1 1.3 1.3 0 0 1-.7-.2l-.933-.6a1.3 1.3 0 0 0-1.4 0l-.934.6a1.3 1.3 0 0 1-1.4 0l-.933-.6a1.3 1.3 0 0 0-1.4 0l-.933.6a1.3 1.3 0 0 1-1.4 0l-.934-.6a1.3 1.3 0 0 0-1.4 0l-.933.6a1.3 1.3 0 0 1-.7.2 1 1 0 0 1-1-1z"></path></svg><p class="text-sm">AI-generated receipt will appear here</p></div><div class="absolute bottom-0 left-0 w-full h-2 bg-[linear-gradient(-45deg,transparent_25%,#cbd5e1_25%,#cbd5e1_50%,transparent_50%,transparent_75%,#cbd5e1_75%,#cbd5e1_100%)] bg-size-[10px_10px]"></div></div></div><div class="order-1 lg:order-2"><div class="inline-flex items-center gap-2 px-3 py-1 rounded-full bg-[#A9D6FF]/20 border border-[#A9D6FF]/30 mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-scissors text-[#A9D6FF]" aria-hidden="true"><circle cx="6" cy="6" r="3"></circle><path d="M8.12 8.12 12 12"></path><path d="M20 4 8.12 15.88"></path><circle cx="6" cy="18" r="3"></circle><path d="M14.8 14.8 20 20"></path></svg><span class="text-[#A9D6FF] text-xs font-bold tracking-wide uppercase">Smart Splitter</span></div><h2 class="text-3xl md:text-4xl font-extrabold text-white mb-4">Messy notes? <br/><span class="text-[#2CD3C1]">Clean receipts.</span></h2><p class="text-slate-400 text-lg mb-8">Paste a chaotic paragraph about who paid for what. Our AI parses the context, handles the math, and generates a shareable breakdown instantly.</p></div></div></div></section><section class="py-20 md:py-32 bg-linear-to-b from-background to-muted/20" id="how-it-works"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10"><div class="text-center mb-16 md:mb-24" style="opacity:0;transform:translateY(20px)"><h2 class="text-3xl sm:text-4xl md:text-5xl lg:text-6xl font-bold mb-6">Simple as 1-2-3-4</h2><p class="text-lg md:text-xl text-muted-foreground max-w-3xl mx-auto">Getting paid back has never been easier. Four simple steps to stress-free debt management.</p></div><div class="hidden lg:block max-w-6xl mx-auto"><div class="relative grid grid-cols-4 gap-8"><div aria-hidden="true" class="absolute left-0 right-0 top-7 h-px bg-border" style="margin-inline:12.5%"></div><div class="relative text-center" style="opacity:0;transform:translateY(20px)"><div class="relative z-10 mx-auto mb-5 flex h-14 w-14 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-user-plus h-6 w-6" aria-hidden="true"><path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"></path><circle cx="9" cy="7" r="4"></circle><line x1="19" x2="19" y1="8" y2="14"></line>
1<line x1="22" x2="16" y1="11" y2="11"></line></svg><span class="absolute -top-1 -right-1 flex h-5 w-5 items-center justify-center rounded-full bg-primary text-[11px] font-bold text-primary-foreground">1</span></div><h3 class="text-lg font-bold mb-2">Add your contact</h3><p class="text-sm text-muted-foreground leading-relaxed">Enter the person who owes you or who you owe. Add their details once and reuse them forever.</p></div><div class="relative text-center" style="opacity:0;transform:translateY(20px)"><div class="relative z-10 mx-auto mb-5 flex h-14 w-14 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-pen-tool h-6 w-6" aria-hidden="true"><path d="M15.707 21.293a1 1 0 0 1-1.414 0l-1.586-1.586a1 1 0 0 1 0-1.414l5.586-5.586a1 1 0 0 1 1.414 0l1.586 1.586a1 1 0 0 1 0 1.414z"></path><path d="m18 13-1.375-6.874a1 1 0 0 0-.746-.776L3.235 2.028a1 1 0 0 0-1.207 1.207L5.35 15.879a1 1 0 0 0 .776.746L13 18"></path><path d="m2.3 2.3 7.286 7.286"></path><circle cx="11" cy="11" r="2"></circle></svg><span class="absolute -top-1 -right-1 flex h-5 w-5 items-center justify-center rounded-full bg-primary text-[11px] font-bold text-primary-foreground">2</span></div><h3 class="text-lg font-bold mb-2">Record the debt</h3><p class="text-sm text-muted-foreground leading-relaxed">Add the amount, description, and due date. Attach payment details or let them pay online.</p></div><div class="relative text-center" style="opacity:0;transform:translateY(20px)"><div class="relative z-10 mx-auto mb-5 flex h-14 w-14 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-bell h-6 w-6" aria-hidden="true"><path d="M10.268 21a2 2 0 0 0 3.464 0"></path><path d="M3.262 15.326A1 1 0 0 0 4 17h16a1 1 0 0 0 .74-1.673C19.41 13.956 18 12.499 18 8A6 6 0 0 0 6 8c0 4.499-1.411 5.956-2.738 7.326"></path></svg><span class="absolute -top-1 -right-1 flex h-5 w-5 items-center justify-center rounded-full bg-primary text-[11px] font-bold text-primary-foreground">3</span></div><h3 class="text-lg font-bold mb-2">Automated reminders</h3><p class="text-sm text-muted-foreground leading-relaxed">Set it and forget it. We'll send polite reminders automatically based on your preference.</p></div><div class="relative text-center" style="opacity:0;transform:translateY(20px)"><div class="relative z-10 mx-auto mb-5 flex h-14 w-14 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-circle-check-big h-6 w-6" aria-hidden="true"><path d="M21.801 10A10 10 0 1 1 17 3.335"></path><path d="m9 11 3 3L22 4"></path></svg><span class="absolute -top-1 -right-1 flex h-5 w-5 items-center justify-center rounded-full bg-primary text-[11px] font-bold text-primary-foreground">4</span></div><h3 class="text-lg font-bold mb-2">Get paid & settle</h3><p class="text-sm text-muted-foreground leading-relaxed">Receive payment notifications, confirm receipt, and mark the debt as settled. Done!</p></div></div></div><div class="lg:hidden max-w-2xl mx-auto"><div class="flex gap-6" style="opacity:0;transform:translateX(-20px)"><div class="flex flex-col items-center"><div class="relative flex h-12 w-12 shrink-0 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-user-plus h-5 w-5" aria-hidden="true"><path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"></path><circle cx="9" cy="7" r="4"></circle><line x1="19" x2="19" y1="8" y2="14"></line>
1<line x1="22" x2="16" y1="11" y2="11"></line></svg></div><div class="w-px flex-1 bg-border mt-2"></div></div><div class="flex-1 pb-10"><h3 class="text-xl font-bold mb-1.5">Add your contact</h3><p class="text-muted-foreground leading-relaxed">Enter the person who owes you or who you owe. Add their details once and reuse them forever.</p></div></div><div class="flex gap-6" style="opacity:0;transform:translateX(-20px)"><div class="flex flex-col items-center"><div class="relative flex h-12 w-12 shrink-0 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-pen-tool h-5 w-5" aria-hidden="true"><path d="M15.707 21.293a1 1 0 0 1-1.414 0l-1.586-1.586a1 1 0 0 1 0-1.414l5.586-5.586a1 1 0 0 1 1.414 0l1.586 1.586a1 1 0 0 1 0 1.414z"></path><path d="m18 13-1.375-6.874a1 1 0 0 0-.746-.776L3.235 2.028a1 1 0 0 0-1.207 1.207L5.35 15.879a1 1 0 0 0 .776.746L13 18"></path><path d="m2.3 2.3 7.286 7.286"></path><circle cx="11" cy="11" r="2"></circle></svg></div><div class="w-px flex-1 bg-border mt-2"></div></div><div class="flex-1 pb-10"><h3 class="text-xl font-bold mb-1.5">Record the debt</h3><p class="text-muted-foreground leading-relaxed">Add the amount, description, and due date. Attach payment details or let them pay online.</p></div></div><div class="flex gap-6" style="opacity:0;transform:translateX(-20px)"><div class="flex flex-col items-center"><div class="relative flex h-12 w-12 shrink-0 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-bell h-5 w-5" aria-hidden="true"><path d="M10.268 21a2 2 0 0 0 3.464 0"></path><path d="M3.262 15.326A1 1 0 0 0 4 17h16a1 1 0 0 0 .74-1.673C19.41 13.956 18 12.499 18 8A6 6 0 0 0 6 8c0 4.499-1.411 5.956-2.738 7.326"></path></svg></div><div class="w-px flex-1 bg-border mt-2"></div></div><div class="flex-1 pb-10"><h3 class="text-xl font-bold mb-1.5">Automated reminders</h3><p class="text-muted-foreground leading-relaxed">Set it and forget it. We'll send polite reminders automatically based on your preference.</p></div></div><div class="flex gap-6" style="opacity:0;transform:translateX(-20px)"><div class="flex flex-col items-center"><div class="relative flex h-12 w-12 shrink-0 items-center justify-center rounded-full bg-primary/10 text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-circle-check-big h-5 w-5" aria-hidden="true"><path d="M21.801 10A10 10 0 1 1 17 3.335"></path><path d="m9 11 3 3L22 4"></path></svg></div></div><div class="flex-1 pb-10"><h3 class="text-xl font-bold mb-1.5">Get paid & settle</h3><p class="text-muted-foreground leading-relaxed">Receive payment notifications, confirm receipt, and mark the debt as settled. Done!</p></div></div></div><div class="mt-16 md:mt-24 text-center" style="opacity:0;transform:translateY(20px)"><a href="/register" class="inline-flex items-center justify-center gap-2 px-8 py-4 text-lg font-semibold rounded-full bg-primary text-primary-foreground hover:bg-primary/90 transition-opacity">Try It Now - It's Free</a></div></div></section><section class="py-20 md:py-32 bg-background"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10"><div class="text-center mb-10 md:mb-12" style="opacity:0;transform:translateY(20px)"><h2 class="text-3xl sm:text-4xl md:text-5xl lg:text-6xl font-bold mb-6">Loved by people<br/><span class="text-primary">getting their money back</span></h2><p class="text-lg md:text-xl text-muted-foreground max-w-3xl mx-auto">See what our users say about getting their money back with Settle.</p></div><div class="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6 md:gap-8 max-w-7xl mx-auto"><div class="relative flex flex-col justify-between gap-6 border-t border-border pt-6" style="opacity:0;transform:translateY(24px)"><div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-quote w-6 h-6 text-primary/30 mb-3" aria-hidden="true"><path d="M16 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path><path d="M5 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path></svg><div class="flex gap-1 mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg></div><p class="text-muted-foreground leading-relaxed">I used to lose track of client payments all the time. Settle changed everything. The automated reminders are professional and effective. I've collected 100% of outstanding payments in the last 3 months!</p></div><div class="flex items-center gap-3"><div class="flex h-10 w-10 shrink-0 items-center justify-center bg-primary/15 font-semibold text-primary">C</div><div><div class="font-semibold">Creative Stefan</div><div class="text-sm text-muted-foreground">Freelance Designer</div></div></div></div><div class="relative flex flex-col justify-between gap-6 border-t border-border pt-6" style="opacity:0;transform:translateY(24px)"><div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-quote w-6 h-6 text-primary/30 mb-3" aria-hidden="true"><path d="M16 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path><path d="M5 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path></svg><div class="flex gap-1 mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg></div><p class="text-muted-foreground leading-relaxed">Brand collaborations mean tracking multiple payments. Settle keeps me organized and professional. The reminders are polite but persistent. My favorite financial tool!</p></div><div class="flex items-center gap-3"><div class="flex h-10 w-10 shrink-0 items-center justify-center bg-primary/15 font-semibold text-primary">J</div><div><div class="font-semibold">Jude Divine</div><div class="text-sm text-muted-foreground">Content Creator</div></div></div></div><div class="relative flex flex-col justify-between gap-6 border-t border-border pt-6" style="opacity:0;transform:translateY(24px)"><div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-quote w-6 h-6 text-primary/30 mb-3" aria-hidden="true"><path d="M16 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path><path d="M5 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path></svg><div class="flex gap-1 mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.3
196 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg></div><p class="text-muted-foreground leading-relaxed">Managing deposits and final payments from clients was chaotic before Settle. Now everything is organized, and my clients always know exactly where to send it.</p></div><div class="flex items-center gap-3"><div class="flex h-10 w-10 shrink-0 items-center justify-center bg-primary/15 font-semibold text-primary">N</div><div><div class="font-semibold">Ngozi Eze</div><div class="text-sm text-muted-foreground">Event Planner</div></div></div></div><div class="relative flex flex-col justify-between gap-6 border-t border-border pt-6" style="opacity:0;transform:translateY(24px)"><div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-quote w-6 h-6 text-primary/30 mb-3" aria-hidden="true"><path d="M16 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path><path d="M5 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path></svg><div class="flex gap-1 mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg></div><p class="text-muted-foreground leading-relaxed">As a business owner, cash flow is everything. Settle helps me manage vendor debts and customer payments in one place. The multi-currency supp
1ort is perfect for my import business.</p></div><div class="flex items-center gap-3"><div class="flex h-10 w-10 shrink-0 items-center justify-center bg-primary/15 font-semibold text-primary">D</div><div><div class="font-semibold">Divine Maxwell</div><div class="text-sm text-muted-foreground">Small Business Owner</div></div></div></div><div class="relative flex flex-col justify-between gap-6 border-t border-border pt-6" style="opacity:0;transform:translateY(24px)"><div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-quote w-6 h-6 text-primary/30 mb-3" aria-hidden="true"><path d="M16 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path><path d="M5 3a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2 1 1 0 0 1 1 1v1a2 2 0 0 1-2 2 1 1 0 0 0-1 1v2a1 1 0 0 0 1 1 6 6 0 0 0 6-6V5a2 2 0 0 0-2-2z"></path></svg><div class="flex gap-1 mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star w-4 h-4 fill-amber-warm text-amber-warm" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg></div><p class="text-muted-foreground leading-relaxed">My roommates and I use this for everything. Rent, utilities, pizza nights. The automatic reminders save our friendship.</p></div><div class="flex items-center gap-3"><div class="flex h-10 w-10 shrink-0 items-center justify-center bg-primary/15 font-semibold text-primary">I</div><div><div class="font-semibold">Ibrahim Musa</div><div class="text-sm text-muted-foreground">Student</div></div></div></div></div></div></section><section id="pricing" class="py-20 md:py-32 bg-linear-to-b from-muted/20 to-background"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10"><div class="text-center mb-16 md:mb-20" style="opacity:0;transform:translateY(20px)"><h2 class="text-3xl sm:text-4xl md:text-5xl lg:text-6xl font-bold mb-6">Simple, transparent <span class="text-primary">pricing</span></h2><p class="text-lg md:text-xl text-muted-foreground max-w-3xl mx-auto">
1Start free, upgrade when you need more. No hidden fees, cancel anytime.</p><div class="mt-6 flex flex-col items-center gap-3"><button data-slot="dropdown-menu-trigger" class="justify-center whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&_svg]:pointer-events-none [&_svg:not([class*='size-'])]:size-4 shrink-0 [&_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border bg-background hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 h-9 px-4 py-2 has-[>svg]:px-3 flex items-center gap-2 shadow-sm" type="button" id="radix-_R_ublfknttb_" aria-haspopup="menu" aria-expanded="false" data-state="closed"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon w-4 h-4"><path d="M12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12C22 17.5228 17.5228 22 12 22ZM9.71002 19.6674C8.74743 17.6259 8.15732 15.3742 8.02731 13H4.06189C4.458 16.1765 6.71639 18.7747 9.71002 19.6674ZM10.0307 13C10.1811 15.4388 10.8778 17.7297 12 19.752C13.1222 17.7297 13.8189 15.4388 13.9693 13H10.0307ZM19.9381 13H15.9727C15.8427 15.3742 15.2526 17.6259 14.29 19.6674C17.2836 18.7747 19.542 16.1765 19.9381 13ZM4.06189 11H8.02731C8.15732 8.62577 8.74743 6.37407 9.71002 4.33256C6.71639 5.22533 4.458 7.8235 4.06189 11ZM10.0307 11H13.9693C13.8189 8.56122 13.1222 6.27025 12 4.24799C10.8778 6.27025 10.1811 8.56122 10.0307 11ZM14.29 4.33256C15.2526 6.37407 15.8427 8.62577 15.9727 11H19.9381C19.542 7.8235 17.2836 5.22533 14.29 4.33256Z"></path></svg><span>Currency: <strong>NGN</strong> (<!-- -->â¦<!-- -->)</span></button><p class="text-xs text-muted-foreground"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon inline w-3 h-3 mr-1"><path d="M12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12C22 17.5228 17.5228 22 12 22ZM9.71002 19.6674C8.74743 17.6259 8.15732 15.3742 8.02731 13H4.06189C4.458 16.1765 6.71639 18.7747 9.71002 19.6674ZM10.0307 13C10.1811 15.4388 10.8778 17.7297 12 19.752C13.1222 17.7297 13.8189 15.4388 13.9693 13H10.0307ZM19.9381 13H15.9727C15.8427 15.3742 15.2526 17.6259 14.29 19.6674C17.2836 18.7747 19.542 16.1765 19.9381 13ZM4.06189 11H8.02731C8.15732 8.62577 8.74743 6.37407 9.71002 4.33256C6.71639 5.22533 4.458 7.8235 4.06189 11ZM10.0307 11H13.9693C13.8189 8.56122 13.1222 6.27025 12 4.24799C10.8778 6.27025 10.1811 8.56122 10.0307 11ZM14.29 4.33256C15.2526 6.37407 15.8427 8.62577 15.9727 11H19.9381C19.542 7.8235 17.2836 5.22533 14.29 4.33256Z"></path></svg>We auto-detect your location. You can change currency anytime.</p></div></div><div class="text-center py-12"><div class="animate-spin rounded-full h-12 w-12 border-b-2 border-primary mx-auto"></div><p class="mt-4 text-muted-foreground">Loading pricing...</p></div></div></section><section id="faq" class="py-20 md:py-32 bg-background"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10"><div class="text-center mb-16 md:mb-24" style="opacity:0;transform:translateY(20px)"><h2 class="text-3xl sm:text-4xl md:text-5xl lg:text-6xl font-bold mb-6">Frequently Asked<br/><span class="bg-clip-text text-transparent bg-linear-to-r from-primary via-primary/80 to-primary/60">Questions</span></h2><p class="text-lg md:text-xl text-muted-foreground max-w-3xl mx-auto">Got questions? We've got answers. Can't find what you're looking for? Contact our support team.</p></div><div class="max-w-3xl mx-auto space-y-4"><div class="border border-border rounded-2xl bg-card overflow-hidden hover:border-primary/50 transition-colors" style="opacity:0;transform:translateY(20px)"><button class="w-full flex items-center justify-between gap-4 p-6 md:p-8 text-left" aria-expanded="false"><h3 class="text-lg md:text-xl font-semibold pr-4">How does Settle work?</h3><div class="shrink-0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-muted-foreground"><path d="M11 11V5H13V11H19V13H13V19H11V13H5V11H11Z"></path></svg></div></button></div><div class="border border-border rounded-2xl bg-card overflow-hidden hover:border-primary/50 transition-colors" style="opacity:0;transform:translateY(20px)"><button class="w-full flex items-center justify-between gap-4 p-6 md:p-8 text-left" aria-expanded="false"><h3 class="text-lg md:text-xl font-semibold pr-4">Is Settle free to use?</h3><div class="shrink-0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-muted-foreground"><path d="M11 11V5H13V11H19V13H13V19H11V13H5V11H11Z"></path></svg></div></button></div><div class="border border-border rounded-2xl bg-card overflow-hidden hover:border-primary/50 transition-colors" style="opacity:0;transform:translateY(20px)"><button class="w-full flex items-center justify-between gap-4 p-6 md:p-8 text-left" aria-expanded="false"><h3 class="text-lg md:text-xl font-semibold pr-4">Can I track someone who does not have a Settle account?</h3><div class="shrink-0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-muted-foreground"><path d="M11 11V5H13V11H19V13H13V19H11V13H5V11H11Z"></path></svg></div></button></div><div class="border border-border rounded-2xl bg-card overflow-hidden hover:border-primary/50 transition-colors" style="opacity:0;transform:translateY(20px)"><button class="w-full flex items-center justify-between gap-4 p-6 md:p-8 text-left" aria-expanded="false"><h3 class="text-lg md:text-xl font-semibold pr-4">Can I track debts in different currencies?</h3><div class="shrink-0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-muted-foreground"><path d="M11 11V5H13V11H19V13H13V19H11V13H5V11H11Z"></path></svg></div></button></div><div class="border border-border rounded-2xl bg-card overflow-hidden hover:border-primary/50 transition-colors" style="opacity:0;transform:translateY(20px)"><button class="w-full flex items-center justify-between gap-4 p-6 md:p-8 text-left" aria-expanded="false"><h3 class="text-lg md:text-xl font-semibold pr-4">Does Settle work offline?</h3><div class="shrink-0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-muted-foreground"><path d="M11 11V5H13V11H19V13H13V19H11V13H5V11H11Z"></path></svg></div></button></div><div class="border border-border rounded-2xl bg-card overflow-hidden hover:border-primary/50 transition-colors" style="opacity:0;transform:translateY(20px)"><button class="w-full flex items-center justify-between gap-4 p-6 md:p-8 text-left" aria-expanded="false"><h3 class="text-lg md:text-xl font-semibold pr-4">Can I use Settle for business debts?</h3><div class="shrink-0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="currentColor" class="remixicon text-muted-foreground"><path d="M11 11V5H13V11H19V13H13V19H11V13H5V11H11Z"></path></svg></div></button></div></div></div></section></main><!--$--><!--/$--></main><footer class="relative border-t border-border bg-background"><div class="mx-auto w-full max-w-7xl px-5 sm:px-6 lg:px-8 2xl:px-10 py-12 md:py-16"><div class="grid grid-cols-1 md:grid-cols-3 gap-8 lg:gap-12 mb-12"><div class=""><a class="flex items-center group" href="/"><div class="relative"><img alt="settle logo" loading="lazy" width="210" height="50" decoding="async" data-nimg="1" class="h-10 w-auto" style="color:transparent" src="/settle-icon-text-green.svg"/></div></a><p class="text-muted-foreground mb-6 max-w-xs">The smartest way to track debts and get paid back. Never lose track of your money again.</p><div class="flex gap-3"><a href="https://x.com/trysettledebt" target="_blank" rel="noopener noreferrer" aria-label="X" class="w-10 h-10 rounded-full bg-muted hover:bg-primary hover:text-primary-foreground flex items-center justify-center transition-colors" tabindex="0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="20" height="20" fill="currentColor" class="remixicon "><path d="M10.4883 14.651L15.25 21H22.25L14.3917 10.5223L20.9308 3H18.2808L13.1643 8.88578L8.75 3H1.75L9.26086 13.0145L2.31915 21H4.96917L10.4883 14.651ZM16.25 19L5.75 5H7.75L18.25 19H16.25Z"></path></svg></a><a href="https://www.linkedin.com/company/trysettle" target="_blank" rel="noopener noreferrer" aria-label="LinkedIn" class="w-10 h-10 rounded-full bg-muted hover:bg-primary hover:text-primary-foreground flex items-center justify-center transition-colors" tabindex="0"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" width="20" height="20" fill="currentColor" class="remixicon "><path d="M12.001 9.55005C12.9181 8.61327 14.1121 8 15.501 8C18.5385 8 21.001 10.4624 21.001 13.5V21H19.001V13.5C19.001 11.567 17.434 10 15.501 10C13.568 10 12.001 11.567 12.001 13.5V21H10.001V8.5H12.001V9.55005ZM5.00098 6.5C4.17255 6.5 3.50098 5.82843 3.50098 5C3.50098 4.17157 4.17255 3.5 5.00098 3.5C5.8294 3.5 6.50098 4.17157 6.50098 5C6.50098 5.82843 5.8294 6.5 5.00098 6.5ZM4.00098 8.5H6.00098V21H4.00098V8.5Z"></path></svg></a></div></div><div><h4 class="font-semibold mb-4 font-sf-pro">Product</h4><ul class="space-y-3"><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/#features">Features</a></li><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/#pricing">Pricing</a></li><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/#how-it-works">How It Works</a></li><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/#faq">FAQ</a></li></ul></div><div><h4 class="font-semibold mb-4 font-sf-pro">Company</h4><ul class="space-y-3"><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/about">About Us</a></li><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/blog">Blog</a></li><li><a class="text-muted-foreground font-manrope hover:text-primary transition-colors" href="/contact">Contact</a></li></ul></div></div><div class="py-8 border-t border-border mb-8"><div class="max-w-2xl mx-auto text-center"><h4 class="text-xl font-bold mb-2">Stay Updated</h4><p class="text-muted-foreground mb-6">Get the latest updates, tips, and features delivered to your inbox.</p><form class="flex flex-col sm:flex-row gap-3 max-w-md mx-auto"><input type="email" placeholder="Enter your email" class="flex-1 px-4 py-3 rounded-full border border-border bg-background focus:outline-none focus:ring-2 focus:ring-primary"/><button type="submit" class="px-6 py-3 rounded-full bg-primary text-primary-foreground hover:bg-primary/90 transition-colors font-semibold">Subscribe</button></form></div></div><div class="pt-8 border-t border-border flex flex-col md:flex-row items-center justify-between gap-4 text-sm text-muted-foreground"><p class="flex items-center gap-2">© <!-- -->2026<!-- --> Settle.</p><div class="flex items-center gap-6"><a class="hover:text-primary transition-colors" href="/privacy">Privacy</a><a class="hover:text-primary transition-colors" href="/terms">Terms</a><a class="hover:text-primary transition-colors" href="/site-map">Sitemap</a></div></div></div><div class="absolute inset-x-0 top-0 h-px bg-linear-to-r from-transparent via-primary/50 to-transparent"></div></footer></div>
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