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Create groups and split the cost: 3 pizzas, 5 friends, no problems.
Get sis back for the concert tickets she scored the second they went on sale
Text your share of the rent (no cheques and no card reader necessary)
Send your friend abroad a pint when you can’t watch the match together
Chip in for dinner even when your wallet stays home
Instantly pay the personal trainer, babysitter or guy who carried your couch upstairs