Moza uses a modern 3-layer collaboration model designed to keep your personal financial truth secure while enabling seamless, multi-member expense sharing.
Common Questions
Does Moza combine finances?
No. Moza never combines bank accounts or ledgers. Your workspace remains entirely yours and completely private.
Can someone modify my transactions?
No. Only you can create, edit, or delete transactions in your workspace. Other group members have zero write access.
Where do shared balances live now?
Shared balances and suggested settlements live exclusively within the Settlement View of your Shared Groups, not in your Budgets or Goals.
Why is “My Share” gone?
To preserve personal financial truth. Budgets and goals now always display your actual, sovereign workspace totals instead of scaling them by arbitrary ratios.
How do I know what I owe?
Go to your Shared Group and check the Settlement View. It calculates who paid, who shares the expense, and shows suggested payments to bring balances back to zero.
Is this like Splitwise?
Yes, but with an optional Link Layer that lets you bridge collaborative group events directly into your private, sovereign budgeting workspace.