Arka: What if group payments were as easy as scanning a QR?

Hi everyone! I’m currently working on Arka, a Mini App that aims to make group payments simple and social inside Nimiq Pay.

The idea came from a pretty common problem: paying someone can be fast, but organizing a group payment is still annoying. Someone has to calculate how much each person owes, remind everyone to pay and keep track of who is still missing.

With Arka, one person creates a shared payment for something like a dinner, trip, group gift or event. They can invite everyone through a QR code, link or join code, choose how the cost will be divided, and each member can see exactly how much they need to pay.

Every contribution is tracked inside the Arka, so the group can easily see who has paid and who is still pending. Once the full amount has been collected, the payment can be settled through Nimiq Pay.

For the first version, contributions would be held securely in escrow and released once the group payment is ready to be settled.

I would also like to include a more social and fun payment mode. Have you seen those TikTok or Instagram videos where a group gives their credit cards to a waiter and asks them to randomly choose who pays the entire bill?

Arka could offer a similar optional experience called Who’s Treating? If every member agrees to participate, the app selects one person from the group. That person would then confirm whether they want to cover the payment before anything is processed.

I think this could make the experience more memorable and give friends another fun way to use NIM together, while still keeping the process transparent and based on everyone’s consent.

The goal is not to create just another bill-splitting app. I want Arka to become the social payment layer for Nimiq Pay, making NIM easier to use in real situations with friends.

Would you actually use something like this?

Which use case sounds most useful to you: splitting restaurant bills, organizing trips, collecting money for gifts, creating group funds or using the Who’s Treating? mode?

Do you think the random payer mechanic would make the app more social and fun, or would you prefer Arka to stay focused only on splitting and collecting payments?

I’d also love to know what would make you trust and use this kind of payment flow, or what part of the idea currently feels confusing or unnecessary. Honest feedback is very welcome!😸

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Arka: What if group payments were as easy as scanning a QR?