Kinda like the title says, what are people’s thoughts on being able to set other Xinja users as contacts in the app, and then have the ability to mark that the next transaction that person does is being split X% with you?
So say you and your partner decide to go halves on a new game, then you could open up the Xinja app, tap on their name, and mark that their next transaction is 50% you. Then once they have paid, instead of the whole transaction showing on their account, only their 50% shows up, and the other shows up on yours not as a transfer but as the transaction itself.
A (slightly more) complex extension would be that when authorising the transaction Xinja doesn’t just check their bank balance but rather that all accounts “chipping in” have their requisite %, or if you and a bunch of friends are going on a road trip and you want to split fuel, then each friend could say that they are paying for x% (plus a bit if they get e.g. a drink from the service station).
A further extension would feed off of the “top-up” idea for friends that do not use Xinja as a bank - you’d put in their phone number and Xinja would text them a link for them to put in their card details, and once the transaction is done they are charged their portion (although how it would check the card has the requisite funds in a short period of time I don’t know… One for the team smarter than me!)
Oh, and of course tie it all in with Google Assistant when that arrives, so that we can just tell our phone what we are doing