Send Once, Arrive Anywhere with Splits & Relay

May 11, 2026
3 minutes

Splits is treasury management and financial ops for crypto-native teams. It combines self-custodied smart contract wallets with purpose-built financial workflows: payroll, accounting, invoicing, and bank transfers, all onchain. Teams sign transactions with passkeys (biometrics or a PIN), so teammates can onboard via email without seed phrases or browser extensions.

The crosschain problem comes with the territory. A team's treasury might sit on one chain, but payments need to be made across Solana, Arbitrum, Polygon, and any number of other networks. Without crosschain infrastructure, each payment that crosses a chain boundary requires a manual step.

Relay is the interoperability layer that eliminates those steps. Splits uses Relay to handle crosschain delivery automatically. Treasury managers send once; users receive wherever they are. This is what nearly a year of that integration looks like in production.

The stack that disappears

Here's what a Splits payout looks like from the recipient's perspective: nothing unusual. USDC arrives in their wallet on whatever chain they use. No manual crosschain moves, no coordination with a treasury manager, no waiting on transfers to clear.

Under the hood, the treasury manager has set up payments inside Splits: amounts, recipients, schedule. When a payout needs to reach someone on a different chain, Relay's infrastructure routes it automatically. No deposit addresses, no per-chain setup, no manual steps.

Relay sits at the interoperability layer inside Splits. When a payout crosses a chain boundary, Relay handles the crosschain execution via its API, with no custodial intermediaries. Users maintain control of their assets throughout; the protocol coordinates execution via smart contracts.

The user gets paid wherever they are. The stack disappears. That's the point.

One year of proof

The model is hub and spoke: treasury held centrally, payments made wherever the recipient needs them. Relay transactions originate primarily from Base, flowing out to Arbitrum, Optimism, Solana, Polygon, Celo, Monad, World Chain, Scroll, Avalanche, and more. The average transaction is $3,270, which is to say these are real payments, not test transactions.

Across 1,137 payouts and $3.72M moved, Transactions complete in ~2 seconds. In cases where one can't be filled, funds revert automatically with no manual intervention needed.

A year ahead of the narrative

Paying users across chains is still treated as an unsolved problem in most crypto tooling discussions. Something teams route around, not through.

Splits and Relay have been routing through it for nearly a year. The stack is live, the volume is real, and the reliability record is clean.

For teams running recurring payments, reliability is the whole thing. A late or failed payout isn't just an ops issue, it's a trust issue. Splits and Relay set a simple bar: every transaction completes or reverts cleanly, with no manual recovery needed.

The composable pattern

Any team running financial operations onchain can layer both. Splits handles the treasury and workflow layer: where funds are held, how they're organized, and when payments go out. Relay handles the delivery layer: whatever chain the recipient needs, the routing is automatic.

The infrastructure is live. It's already running. Start at relay.link for crosschain execution, or layer both protocols for the full payments stack.

Relay is interoperability infrastructure for the onchain money stack. It enables users to spend any asset to transact on any chain, instantly, across 85+ networks, with 99.9%+ reliability and $20B+ in enabled volume. Partners include Phantom, MetaMask, OpenSea, Axiom, and Fun.xyz .