Shared money. Protected friendships.

An AI-powered expense-sharing app: scan a receipt or an invoice to create the expense automatically, record a meeting and get minutes written all on their own — then BMD works out who owes what and suggests the simplest settlement. Beyond expense sharing, you can also formalise an IOU between friends and family, run a tontine or a common fund. You then pay with your usual tool (Lydia, Wave, bank transfer…).

No. BMD doesn't move the money itself. You keep paying through your usual channels (Lydia, Wave, MoMo, SEPA transfer, PayPal). BMD records the transaction, works out who owes what, and suggests the minimum settlement.

The Free plan covers the essentials. The paid plans (see the pricing table above — prices may be adapted by region; the price shown is the one that applies) unlock unlimited groups, extended OCR, detailed accounting exports and priority support, among other things. All paid plans start with a free trial, with no commitment and cancellable at any time.

On iPhone (iOS 15+), Android (9+) and any recent computer (Chrome, Safari, Firefox).

No — not right away. You can create your group and invite your circle (by link, SMS or email); they join whenever they want, with automatic reminders. Once signed up, each person then validates the balances that concern them.