https://pey.co.in/blog 2026-06-14 weekly 0.9 https://pey.co.in/og.png Blog — PeyCoIn | Personal finance, bill splitting, privacy Guides on personal budgets, group expense splitting, UPI settlement, privacy in fintech, and building in India. Written by the PeyCoIn team. https://pey.co.in 2026-06-14 weekly 1.0 https://pey.co.in/og.png PeyCoIn — Split. Track. Never chase. PeyCoIn is the calmest way to split group bills, track your personal budget, and always know who owes what — in any currency. Free, with no paywalls or forced ads. https://pey.co.in/about 2026-06-14 monthly 0.8 https://pey.co.in/og.png About PeyCoIn — A calm fintech for shared lives. PeyCoIn is a small team building the calmest way to split bills, track shared expenses, and settle balances in any currency. Founded 2025. Read the why. https://pey.co.in/press 2026-06-14 monthly 0.7 https://pey.co.in/og.png Press & brand — PeyCoIn Press kit, brand assets, founder photos, and quick facts about PeyCoIn — the fintech app for shared lives. https://pey.co.in/careers 2026-06-14 weekly 0.8 https://pey.co.in/og.png Careers at PeyCoIn — Help build the calmest money app on the planet. PeyCoIn is hiring founding engineers and designers. Early-stage roles with meaningful equity and real product ownership. Apply via our short form. https://pey.co.in/contact 2026-06-14 monthly 0.8 https://pey.co.in/og.png Contact PeyCoIn — Talk to a human. Reach PeyCoIn support, grievance redressal, press, careers, privacy/DPO, and security disclosure teams. Phone, email, and grievance officer details. https://pey.co.in/g 2026-06-14 monthly 0.5 https://pey.co.in/og.png Join a PeyCoIn group — Split expenses and settle payments PeyCoIn splits group bills in any currency, settles with friends, tracks personal and 1:1 expenses, and stays free of paywalls, spam, and messy math. https://pey.co.in/legal/terms 2026-06-14 monthly 0.6 https://pey.co.in/og.png Terms of Service — PeyCoIn The PeyCoIn Terms of Service. Read the agreement that governs your use of the PeyCoIn app and pey.co.in. Compliant with the IT Act 2000 and Indian Contract Act. https://pey.co.in/legal/privacy 2026-06-14 monthly 0.7 https://pey.co.in/og.png Privacy Policy — PeyCoIn How PeyCoIn collects, uses, stores, and protects personal data, in line with the DPDP Act 2023 and the SPDI Rules. Your rights as a Data Principal. https://pey.co.in/legal/dpdp 2026-06-14 monthly 0.7 https://pey.co.in/og.png DPDP Notice — PeyCoIn · Data Principal rights PeyCoIn’s notice under §5 of the Digital Personal Data Protection Act, 2023. Your rights as a Data Principal, how to exercise them, and DPO contact. https://pey.co.in/legal/rbi-disclosures 2026-06-14 monthly 0.6 https://pey.co.in/og.png RBI Disclosures — PeyCoIn · Payment partners and rails PeyCoIn’s regulatory disclosures: our role, banking and Payment Aggregator partners, payment rails (UPI, IMPS, cards), KYC/AML, customer liability, Nodal Officer. https://pey.co.in/legal/grievance-redressal 2026-06-14 monthly 0.7 https://pey.co.in/og.png Grievance Redressal — PeyCoIn · How to raise a complaint Three-level grievance redressal at PeyCoIn. Customer support, Grievance Officer, Nodal Officer, and the RBI Ombudsman. Contact details and turnaround times. https://pey.co.in/legal/refunds 2026-06-14 monthly 0.6 https://pey.co.in/og.png Cancellation & Refunds — PeyCoIn How cancellations and refunds work on PeyCoIn, including failed-transaction reversals (UPI/IMPS T+1, cards T+5) under the RBI’s customer compensation framework. https://pey.co.in/legal/cookies 2026-06-14 monthly 0.5 https://pey.co.in/og.png Cookies Notice — PeyCoIn The cookies and similar technologies PeyCoIn uses on pey.co.in. No third-party advertising or cross-site tracking. Full inventory and your choices. https://pey.co.in/blog/why-splitwise-doesnt-work-for-indians 2026-06-02 monthly 0.8 https://pey.co.in/blog-og/why-splitwise-doesnt-work-for-indians.svg Why Splitwise Doesn't Work for Indians (And How PeyCoIn Does) Splitwise tracks your group bills. But when it's time to settle, it forces you to leave the app. PeyCoIn fixes this with in-app UPI settlement — no copy-paste, no app switching. https://pey.co.in/blog/your-money-has-two-sides 2026-06-06 monthly 0.8 https://pey.co.in/blog-og/your-money-has-two-sides.svg Your Money Has Two Sides (And One App Should Handle Both) You use Splitwise for group bills and a separate app for your budget. But they never talk to each other. PeyCoIn combines personal budgets and group splitting in one calm app. https://pey.co.in/blog/what-happens-to-your-expense-data 2026-06-09 monthly 0.8 https://pey.co.in/blog-og/what-happens-to-your-expense-data.svg What Happens to Your Expense Data? (A Splitwise Case Study) Most expense apps sell your spending data. Splitwise's privacy policy allows sharing with third-party analytics. Here's what actually happens — and why PeyCoIn is built differently. https://pey.co.in/blog/why-we-built-peycoin-in-india 2026-06-12 monthly 0.8 https://pey.co.in/blog-og/why-we-built-peycoin-in-india.svg Why We Built PeyCoIn in India Most fintech is built in the US, for the US. PeyCoIn was built in India — offline-ready, UPI-native, in 10 languages. The story of why India-first design isn't a feature, it's the foundation. https://pey.co.in/blog/the-budget-blind-problem 2026-06-16 monthly 0.8 https://pey.co.in/blog-og/the-budget-blind-problem.svg The Budget-Blind Problem: Why Splitwise Doesn't Track Your Spending Splitwise knows who owes you ₹400. It has no idea you've already blown your food budget for the month. This is the budget-blind problem — and why both sides of your money need to be visible. https://pey.co.in/blog/peycoin-vs-splitwise-honest-comparison 2026-06-20 monthly 0.8 https://pey.co.in/blog-og/peycoin-vs-splitwise-honest-comparison.svg PeyCoIn vs Splitwise: An Honest Comparison A feature-by-feature, privacy-by-privacy, honest comparison of PeyCoIn and Splitwise. When to choose each. What each does well. No hype. https://pey.co.in/blog/why-we-built-upi-settlement 2026-06-27 monthly 0.8 https://pey.co.in/blog-og/why-we-built-upi-settlement.svg Stop Asking "What's Your UPI ID?" — How PeyCoIn Connects UPI to Your Splits Settling a group expense in India means hunting for a UPI ID on WhatsApp, copy-pasting it into PhonePe, and re-entering the amount. PeyCoIn fixes this: the recipient adds their UPI ID once, and anyone who owes them can pay directly — no asking, no app-switching. https://pey.co.in/blog/track-expenses-abroad-foreign-currency 2026-06-24 monthly 0.8 https://pey.co.in/blog-og/track-expenses-abroad-foreign-currency.svg You're Abroad. Every Expense Is in Euros. PeyCoIn Is the Only App That Handles That — Groups and Personal. When you travel internationally, you spend in foreign currency — in groups and personally. PeyCoIn tracks both in the local currency, then converts everything to your home currency in one tap. You set the exchange rate.